November 2023
I'm always in it, it's only the depth that varies....
Current debt: £10,806.75
Debt free date April 2025 (though expecting this to come forward)
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Awesome August's NSD Challenge!
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cathybird
Posts: 15,650 Forumite


This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would
like to achieve during August. 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 

4. It also helps to bookmark the thread, it's much easier to find 

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.
August
Off to a start = 
5 days = 

10 days =

15 days =

20 days =



3
Comments
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August targetsAdeley 10beanielou 15 bekah89 cathybird 15 CMD79 15 Crazycatlady2 15 Elisheba GeorgianaCavendish 10 Honeysucklelou2 jammy dodger 15 Keedie 10 LittleMissDetermined 10 mmereeshar Money Choices QueenJess 12 sazzles01234 short bird 15 sunshine raincloud Tahlullah.H 15 Viki2410 WinterWarrior
Newcomers welcome
4 -
Hi @cathybird thanks for doing this thread, it really is appreciated. I just completely failed at July 2022 so starting afresh can you please put me down for 10 days in August. Thanks x
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/504 -
Going to be a busy month, DH changing jobs, eldest finishing part time job to start an apprenticeship, step dad here firing new bathroom, mum busting for my 40th and 2 eldest children away for a few days then back as school starts argh must try not to spend other than what is actually needed5
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Thanks as always for the shiny new thread @cathybirdI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.4 -
Happy new thread! Thanks for setting this up Cathy. Let the NSD games commence 😉2
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Crazycatlady2 said:Going to be a busy month, DH changing jobs, eldest finishing part time job to start an apprenticeship, step dad here firing new bathroom, mum busting for my 40th and 2 eldest children away for a few days then back as school starts argh must try not to spend other than what is actually needed3
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August eh?!
Well, thanks @cathybird again for setting this up/keeping us going! I only did a last few days, but the difference in not spending over the few days post pay day, will help me MASSIVELY in August, particularly as between pay days is a huge 33 days this month. Mentally though, having a load of money in my account for a few days, has also felt pretty good, if slightly nerve wracking.
I'm going on lots of little trips during August, so I need to make sure I don't spend on the days in between!
Good luck everyone!
November 2023
I'm always in it, it's only the depth that varies....
Current debt: £10,806.75
Debt free date April 2025 (though expecting this to come forward)3 -
I too have a big birthday this month.
Had not thought of the whole of the month being special though!
Kicking off with no 1.
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
Early call for day 1: this will probably be the only one for the next week.‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.2 -
AugustOff to a start =5 days =
10 days =
15 days =
20 days =Target reached =
Target beaten =
August targets
Adeley 10 beanielou 1/15bekah89 cathybird 1/15
CMD79 15 Crazycatlady2 15 Elisheba GeorgianaCavendish 10 Honeysucklelou2 jammy dodger 15 Keedie 10 LittleMissDetermined 10 mmereeshar Money Choices QueenJess 12 sazzles01234 short bird 1/15
sunshine raincloud Tahlullah.H 15 Viki2410 WinterWarrior
Newcomers welcome
2
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