November
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Nifty November's No-Spend Days Challenge!
Comments
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I'm counting another NSD today as I point blank refuse to count the filling I had at the dentist. It was an essential spend and not fun activity!
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 -
Today is NSD#7, thank you cathybird.SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.501 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 8/15beanielou 15/19BlackCoffeeNoSugar 9/15
cathybird 12/15Crazycatlady2 11/18Cuddlymarm 7/15Doris17 7/15GeorgianaCavendish 13/15jammy dodger 15KajiKita 10/15laura lau 10/15leftatthetrafficlights 11/20lianne1984 2/10LittleMissDetermined 4/10Makingabobor2 5/15QueenJess 10/15Rupacomp 5/15Saver-upper 8/15short bird 8/18Newcomers welcome
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Well done Saver-upper, beanie, BlackCoffeeNoSugar, Crazycatlady2, Doris17, AuntieL and QueenJess 2
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Up to 11 now please @cathybird 😁'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £1471.53/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £1471.53/£6700
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'1 -
NSD #13 for yesterday please
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One todayI 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 -
NSD for me 7/15.
"My Life Is About The Journey Not The Destination"1 -
Today was NSD #8, thank you cathybird.SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.501 -
Good morning and apologies, I've been away! I have a few more days to report: 1 for Friday, 1 for Saturday, 1 for Monday and 1 for yesterday. Calling 1 early for today as I am not going anywhere with this weather! So the new total goes from 5 to 10/15!
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 43.5/661
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