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Nifty November's No-Spend Days Challenge!
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cathybird said:
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
I'm going to be all over the place in December and January - so I'll bow out for a bit 'officially' on the thread - I'll still try to keep track of my days myself, and will pop back when I've got a bit of breathing space to rejoin
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NSD today 😊
15 days for December please.KKAs 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.1 -
cathybird said:
Yes there's a shiny new month just round the corner, any thoughts on targets? ...December targetsAuntieLbeanielou 19BlackCoffeeNoSugarcathybird 15Crazycatlady2CuddlymarmDoris17GeorgianaCavendish 15KajiKita 15laura lauLittleMissDeterminedMakingabobor2QueenJess 15RupacompSaver-upper 15short bird 18Newcomers welcomeDebt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7001 -
Declaring another NSD for today.
Can I go for another 15 days in December please?2025 decluttering: 3,925🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 334🥉🥈🥇💎🏆
Big kitchen declutter challenge 109/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
[Deleted User] said:cathybird said:
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
I'm going to be all over the place in December and January - so I'll bow out for a bit 'officially' on the thread - I'll still try to keep track of my days myself, and will pop back when I've got a bit of breathing space to rejoin1 -
NovemberOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =November targetsAuntieL 11/15beanielou 24/19BlackCoffeeNoSugar 17/15cathybird 20/15Crazycatlady2 18/18Cuddlymarm 12/15Doris17 12/15GeorgianaCavendish 17/15jammy dodger 15KajiKita 21/15laura lau 15/15leftatthetrafficlights 20/20lianne1984 2/10LittleMissDetermined 10/10Makingabobor2 11/15QueenJess 16/15Rupacomp 11/15Saver-upper 14/15short bird 15/18Newcomers welcome
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Yes there's a shiny new month just round the corner, any thoughts on targets? ...December targetsAuntieL 12
beanielou 19
cathybird 15
Crazycatlady2
Cuddlymarm
Doris17
GeorgianaCavendish 15
KajiKita 15
laura lau 15
LittleMissDetermined
Makingabobor2 15
QueenJess 15
Rupacomp
Saver-upper 15
short bird 18Newcomers welcome
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Sunday and today have been NSD, bringing my total to 14, thank you cathybird.
I will stick with my usual goal of 15 NSDs for December, thank you again cathybird.SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.500 -
Well done leftatthetrafficlights, KajiKita, QueenJess, LittleMissDetermined, cuddlymarm, Doris17, beanie, BlackCoffeeNoSugar, Makingabobor2, AuntieL, Crazycatlady2, short bird and Rupacomp (for yesterday) and beanie, BlackCoffeeNoSugar, short bird, Doris17, laura lau, Makingabobor2, KajiKita, QueenJess and Saver-upper (for today)1
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Yes, 18 for December.
Thanks!‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.2
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