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Nifty November's No-Spend Days Challenge!
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Early call for Day 14 today
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Another NSD today (my gym class doesn’t count as I deem it essential for physical and mental health ).
The meal yesterday was absolutely amazing. Feeling very old now.. 10 years of marriage is a long time!
2026 decluttering: 1,156 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 335🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0001 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Hi guys
Today is going to be a NSD making my total 10
Theres no way I’m leaving the flat today as I am absolutely shattered. We stayed over in York Tuesday night and did the Christmas market. York is lovely at any time but boy there’s a lot of walking involved. We went with OHs brother and his wife which was a nice catch up and got a couple of bits for DGDs Xmas stocking but today is definitely a lazy day.
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001 -
NSD for me 10/15
"My Life Is About The Journey Not The Destination"1 -
NovemberOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 10/15
beanielou 20/19
BlackCoffeeNoSugar 14/15
cathybird 18/15
Crazycatlady2 16/18
Cuddlymarm 10/15
Doris17 10/15
GeorgianaCavendish 17/15
jammy dodger 15KajiKita 18/15
laura lau 10/15
leftatthetrafficlights 17/20
lianne1984 2/10
LittleMissDetermined 9/10
Makingabobor2 9/15
QueenJess 14/15
Rupacomp 10/15
Saver-upper 12/15
short bird 13/18
Newcomers welcome
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1 today 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
nSD today. Up to 9 nowMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £690/3000
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Studies/surveys May...£73.97
Decluttering items 1400/2025. 296/2026
Books read 23 in 2025. 2026- 13 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
2 NSDs to report from last couple daysSavings goal by 31/12/24: £22000
Dec 23: £6945.231 -
Don't know where I got to...spent on wed but not Thur or Fri1
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