Off to a start = 
5 days = 
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Splendid September's No-Spend Days Challenge!
Comments
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NSD Thursday1
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September
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
September targetsAuntieL 11/12beanielou 18/19
BlackCoffeeNoSugar 8/15
cathybird 19/15
craftingmad 15
Crazycatlady2 17/18
Ef79 8/12
GeorgianaCavendish 11/18
jammy dodger
KajiKita 16/15
lianne1984 10
LittleMissDetermined 17/19
Makingabobor2 10/15
Money Choices 10
Pinkpenguin 7
QueenJess 14/17
Rupacomp 13/15
Saver-upper 8/15
short bird 13/18
Newcomers welcome 
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Well done LittleMissDetermined, short bird, GeorgianaCavendish, beanie, Makingabobor2 andCrazycatlady2
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NSD for me today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
One for me yesterday (planned spend didn’t happen) and it will be one today 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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.1 -
Well done 👏😊Makingabobor2 said:Can't believe it, #10 for me today. Just shows it can be done with a bit of effort
Its a good feeling, isn’t it?KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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.2 -
Declaring a NSD early today.2025 decluttering: 5,333 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 449🥉🥈🥇💎🏆Big kitchen declutter challenge 139/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001
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I’m also in the early club today. Too close to pay day for frivolous spending 😂Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60001
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I am here!
Sorry- I haven't been well, and I can really only find my way around MSE site on my laptop, which I haven't had fired up very often.
This month I have had 8 NSDs, thank you Cathybird.As usual, aiming for 15SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.502 -
One today.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.2
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