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)
We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Nifty November's NSD Challenge!
Comments
-
Another NSD (hopefully) today
2 -
Claiming a NSD today after spending on Christmas presents yesterday, need to get a few more in, feels like I'm behind this month already!
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60002 -
One today please
2 -
I have 4 more to add bringing me to 7 🙂March NSD 14/15
Debt £9607.54/£11296.89
CC2:£2274.64/£2299.36 CC3: £1848/£1924.91 CC4:£25/£978.50 CC5: £1155/£1331.24 CC6: £3754.90/£4191.09 CC7: £550/£607.39
CC1: paid off 14/02/23PAYDBXMAS23 #4 £1432.74/£4000
Saving for Xmas 23 £30/£365
4.94% £570.89/£107
make £2023 in 2023 #24 £71.24/£20232 -
One for me please. Feels good to have two in a row at last 2
-
8/15 for me today thanks cathybird2
-
I do not need a hamperbeanielou said:
You so don't want or need a hamper.CMD79 said:
Yes, my husband gave me the money to pay off a huge chunk of debt, and now I'm a gibbering, nervous wreck that I'm going to cook up some hair brained scheme! I really must make sure I don't let it all unravel now I've come this far..... but I'm a nightmare! I feel like any second now a £500 M&S hamper is going to get ordered!cathybird said:
Be strong.
It is so worth it.beanielou said:
You so don't want or need a hamper.CMD79 said:
Yes, my husband gave me the money to pay off a huge chunk of debt, and now I'm a gibbering, nervous wreck that I'm going to cook up some hair brained scheme! I really must make sure I don't let it all unravel now I've come this far..... but I'm a nightmare! I feel like any second now a £500 M&S hamper is going to get ordered!cathybird said:
Be strong.
It is so worth it.
I do not need a hamper
I do not need a hamper
I do not need a hamper
I do not need a hamper
I do not need a hamper
I just need to keep checking in. I've had a couple of weird days at work, so I have spent small amounts, but nothing dire....4 -
NovemberOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAdeley 9/20beanielou 7/15
bekah89 7/15
cathybird 8/15
CMD79 5/19
Crazycatlady2 3/18
GeorgianaCavendish 7/15
Gooddaysunshine 4/15
GTR King 7/14
hazeldreams 4/10
Honeysucklelou2 2/12
jammy dodger 8/15
Keedie 1/7
killielila 2/15
LittleMissDetermined 5/12
QueenJess 7/18
Rupacomp 4/10
short bird 4/18
Newcomers welcome
3 -
Another NSD for me. I’ve prepped my lunch to take to work tomorrow so I don’t need to spend money then either.2026 decluttering: 22026 use up challenge: 12026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 I 🥉25 🥈50 🥇100 💎 1501
-
Well done Adeley, GTR King, LittleMissDetermined, GeorgianaCavendish, bekah89, Gooddaysunshine, jammy dodger and QueenJess
3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.8K Spending & Discounts
- 246.1K Work, Benefits & Business
- 602.2K Mortgages, Homes & Bills
- 177.8K Life & Family
- 260K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards