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Off to a start =
5 days =
10 days =
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Outstanding October's No-Spend Days Challenge!
Comments
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It's a NSD for me today.
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 #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £4931 | EF £669/£1000 | Sabbatical £3026/£3000 | Travel savings £1791 | Sinking pots £19611 -
Day 3 today please
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NSD for me today!
Yesterday, sadly, it wasn't, as I had to go to the office and spent on transport, coffee, water, and then I took advantage of the fact that I had already spent to buy a couple of groceries and cleaning products that were on my to-buy list. It's early days, but I am already seeing a change of mindset, making a list of the things I need (or think I need) and waiting until I have a spend day anyway is actually helping reviewing the list with a more critical eye because the total amount piles up and it makes me think twice to see if I really need all the stuff. I didn't expect that! Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/662 -
Early call for NSD #2 today please. Everyone in the house has the flu, except me and I’m starting to feel a bit of a tickle at the back of my throat!2
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One today.I also have the lurgy.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 -
Looks like I'm up to 4 please2
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October
10 days =15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 2/12
beanielou 4/19
BlackCoffeeNoSugar 3/15
cathybird 3/12
Crazycatlady2 4/18
Cuddlymarm 2/15
Doris17 2/15
Ef79GeorgianaCavendish 2/17
jammy dodgerKajiKita 2/15
laura lau 3/10
lianne1984 1/10
LittleMissDetermined 2/20
Makingabobor2Money ChoicesPinkpenguin 15QueenJess 2/15
Rupacomp 9Saver-uppershort bird 2/15
strandedinaber 10Newcomers welcome
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@laura_lau yes there's a delayed gratification thing built into the challenge - it is very useful! I keep a list and quite often after waiting I end up not buying things on it at all.laura_lau said:NSD for me today!
Yesterday, sadly, it wasn't, as I had to go to the office and spent on transport, coffee, water, and then I took advantage of the fact that I had already spent to buy a couple of groceries and cleaning products that were on my to-buy list. It's early days, but I am already seeing a change of mindset, making a list of the things I need (or think I need) and waiting until I have a spend day anyway is actually helping reviewing the list with a more critical eye because the total amount piles up and it makes me think twice to see if I really need all the stuff. I didn't expect that! x
@GeorgianaCavendish @beanielou I've got a sore throat too - mild but can't work out where it came from, very strange!
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A NSD today.2025 decluttering: 2,369🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅
2025 use up challenge: 208🥉🥈🥇💎
Mini kitchen challenge 43/50
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 I 🥉12 🥈26 🥇52 💎100 🏆2501 -
Another 1 for me today as I too am full of cold so stayed in
Total 2NSDs so far
June NSD 8/152
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