Splendid September's NSD Challenge!

This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during September. To join, just post your personal target and you are on your way!

Tips for the challenge:
1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve. If you've never done the challenge before, it's probably better to start with a goal of 10 or (at most) 15.
2. It is fine to exclude necessary expenses eg petrol, groceries, pet food, etc, when it comes to deciding what is and isn't an NSD. It is also completely fine to exclude automated or recurring payments such as bills, mortgage or direct debits.
3. It does help to post every time you notch up an NSD, or at least every two or three days ... it's easy to lose track! If you want to keep track of your NSDs in your MSE signature, that can be really motivating too image
4. It also helps to bookmark the thread, it's much easier to find image
5. NSDs are trickier than they seem and easily derailed. It makes the challenge much easier if you notch up as many as you can in the first half of the month.


Off to a start = image
5 days = image

10 days = image

15 days = image

20 days = image
Target reached = image
Target beaten = image

2021 D: 93 2020 D: 96 2022 D: 15


  • edited 1 September 2021 at 12:20PM
    cathybirdcathybird Forumite
    11.2K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 1 September 2021 at 12:20PM
    September targets
    BadBookkeeper 15
    Balancinglife 12
    beanielou 15
    browneyed_girl 15
    cathybird 15
    Couldsavemore 15
    GeorgianaCavendish 12
    jammy dodger 18
    Money Choices
    QueenJess 15
    short bird 17
    welshspendthrift 15
    WinterWarrior 15

    Newcomers welcome :)

    2021 D: 93 2020 D: 96 2022 D: 15
  • beanieloubeanielou Forumite
    83K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Thanks as always for the shiny new thread @cathybird :grin:
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • Hi Cathy birds,
    Can I go for 15 NSD's this month.
    I need to get back to my financial diet

    PAYDXMAS21 #41 900/900
    Fashion on a ration... 0/66
    Target weigh loss 2/14lbs
    Money saved on food budget by being frugal in 2021... 100

  • BalancinglifeBalancinglife Forumite
    58 Posts
    Third Anniversary 10 Posts Name Dropper
    Good Morning. Can I join please? I am going to try 12 NSDs. Thanks
  • WinterWarriorWinterWarrior Forumite
    4.6K Posts
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Calling early for one for today, but there’s a huge spend on the horizon as we had to call the emergency vet for a house visit for our old dog at 5.30 this morning 😞
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊
    2023 challenges - (1) £1k emergency fund = £40, (2) Christmas 23 pot = £103.24, (3) £8k savings challenge = £2k (4) 2 stone 3lb weight reduction = 6lb
    My WW and friends diary is here 😁 … 

  • BadBookkeeperBadBookkeeper Forumite
    649 Posts
    Fifth Anniversary 500 Posts Name Dropper
    Morning all.

    Won’t be an NSD today as taking DS for ‘back to school’ haircut!  
    I’ve gone through my diary and I have 6 birthdays in September!  I will buy all 6 cards today as this would usually cause 6 separate spend days during the month.


    Lightbulb moment - 17/08/2017 £17,033.  Current CC debt £6600  DFD 24/12/2024 22 months to go…. 99 weeks! 

  • Kitty43Kitty43 Forumite
    56 Posts
    10 Posts Name Dropper
    Good morning I am going to back myself and aim for 15 NSD ☺️
  • Kitty43Kitty43 Forumite
    56 Posts
    10 Posts Name Dropper
    @BadBookkeeper that is a really good idea 
  • Kitty43Kitty43 Forumite
    56 Posts
    10 Posts Name Dropper
    @WinterWarrior i hope your dog is doing much better 🥺
  • Hi!  Can I please join in this month?  I’ve set myself the target of 50 NSDs by the end of the year.  For September, I’m going to aim for 12  :) 

    It won’t be a NSD today as need to pick up a few items for DD2’s friend who is staying over and is a very fussy eater.  Also need to buy tickets for DD1’s birthday outing.  Should mean that we can achieve a NSD tomorrow though! 
    Beware of little expenses. A small leak will sink a great ship.
    Debt at highest = £62,842.59 (Dec 2018) - now £44,611.39 (Oct 2021)
    Emergency fund £268.63 / £1000
    NSD October Challenge 8/12
    NSD target Sept-Dec 2021 17/50
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