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Nifty November's No-Spend Days Challenge!

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  • AuntieL
    AuntieL Posts: 372 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    Managed one final NSD for November. Didn’t quite reach my target but hopefully will manage next month.
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    August 2025 NSD Challenge 1/18

    MFW 2025 #45
    Jan 2016 Mortgage = £149,895
    Current outstanding = £97,725
    2024 Overpayment = £675.66
    2025 Overpayment = £593/£700
  • cathybird
    cathybird Posts: 15,656 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 1 December 2023 at 6:03PM

    November

    Off to a start = image
    5 days = image
    10 days = image

    15 days = image
    20 days = image

    Target reached = image
    Target beaten = image 

    November targets

    AuntieL 13/15 image  image  image 

    beanielou 25/19 image  image  image  image  image  image  image 


    BlackCoffeeNoSugar 18/15 image  image  image  image  image  image 


    cathybird 22/15 image  image  image  image  image  image  image 


    Crazycatlady2 18/18 image  image  image  image  image


    Cuddlymarm 14/15 image  image  image 


    Doris17 12/15 image  image  image 


    GeorgianaCavendish 18/15 image  image  image  image  image  image 


    jammy dodger 15


    KajiKita 23/15 image  image  image  image  image  image  image 


    laura lau 16/15 image  image  image  image  image  image 


    leftatthetrafficlights 21/20 image  image  image  image  image  image  image 


    lianne1984 2/10 image 


    LittleMissDetermined 13/10 image  image  image  image  image 


    Makingabobor2 12/15 image  image  image 


    QueenJess 16/15 image  image  image  image  image  image


    Rupacomp 12/15 image  image  image


    Saver-upper 15/15 image  image  image  image  image


    short bird 16/18 image  image  image  image


    Newcomers welcome :)

  • cathybird
    cathybird Posts: 15,656 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done Saver-upper, LittleMissDetermined, cuddlymarm, GeorgianaCavendish, Makingabobor2, KajiKita and AuntieL :):)
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Not 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.
  • NSD for me today! 
    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 43.5/66
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Fifth Anniversary 500 Posts Name Dropper Photogenic
    edited 17 April 2024 at 2:23PM
    cathybird said:
    cathybird said:


    Yes there's a shiny new month just round the corner, any thoughts on targets? ... image


    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 :)  
    @[Deleted User] Hope all goes well and since you won't be here in December I'll wish you a Merry Christmas and happy new year now :)
    Thank you @cathybird - that's so sweet of you! Same to you, and everyone on these threads  <3

    Finishing the month strong with a final NSD for me - think that's number 18 :)  Will see you all next year! 
  • KajiKita
    KajiKita Posts: 7,710 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Not one today … 🤷‍♀️😉

    KK
    As 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. 
  • cathybird
    cathybird Posts: 15,656 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Not one for me today, I got in some supplies. :)
  • cathybird
    cathybird Posts: 15,656 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done laura lau and BlackCoffeeNoSugar :):) That's it for November I guess - see you all on the December thread xx :smiley:
  • short_bird
    short_bird Posts: 4,022 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi, one more yesterday for a finishing total of 16!
    ‘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.
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