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Splendid September's No-Spend Days Challenge!

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  • NSD #9 for Sunday please, but not one today 
  • One for Saturday. Thought it wasn't, as we had to buy a birthday present for FIL, but DH sent me the money, so I officially didn't spend anything. Up to 7/15 now
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .

    Studies/surveys  August £7.48

    Decluttering items 771

    Books read    14
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • AuntieL
    AuntieL Posts: 372 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    NSD for me today
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    August 2025 NSD Challenge 1/18

    MFW 2025 #45
    Jan 2016 Mortgage = £149,895
    Current outstanding = £97,725
    2024 Overpayment = £675.66
    2025 Overpayment = £593/£700
  • 3 NSDs to report - Saturday, Sunday and today 😃
    Savings goal by 31/12/24: £22000
    Dec 23: £6945.23
  • cathybird
    cathybird Posts: 15,656 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 19 September 2023 at 9:06PM
    September

    Off to a start = image
    5 days = image

    10 days = image
    15 days = image
    20 days = image Target reached = image Target beaten = image
    September targets
    AuntieL 8/12 image  image
    beanielou 14/19 image  image  image  BlackCoffeeNoSugar 8/15 image  image cathybird 16/15 image  image  image  image  image  image craftingmad 15 Crazycatlady2 13/18 image  image  image Ef79 6/12 image  image  GeorgianaCavendish 9/18 image  image  jammy dodger KajiKita 12/15 image  image  image lianne1984 10 LittleMissDetermined 14/19 image  image  image  Makingabobor2 7/15 image  image  Money Choices 10 image QueenJess 10/17 image  image  image  Rupacomp 11/15 image  image  image  short bird 11/18 image  image  image  Newcomers welcome :)
  • KajiKita
    KajiKita Posts: 7,710 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD today 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • cathybird
    cathybird Posts: 15,656 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    One for me today but tomorrow won't be, am having lunch with a friend. :)
  • cathybird
    cathybird Posts: 15,656 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done LittleMissDetermined, beanie, GeorgianaCavendish, Makingabobor2, AuntieL, Rupacomp and KajiKita imageimageimage
  • It's a NSD for me today
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Early call for day 8 today 
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