📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Dazzling December's No-Spend Days Challenge!

Options
1141517192030

Comments

  • KajiKita
    KajiKita Posts: 7,634 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD today, finally! 
    😊

    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 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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: 15,639 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 19 December 2023 at 8:44PM

    December

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

    15 days = image
    20 days = image

    Target reached = image
    Target beaten = image 

    December targets

    AuntieL 6/12 image  image 

    beanielou 13/19 image  image  image


    cathybird 15/15  image  image  image  image  image


    changingmyways23 5/10 imageimage 


    Crazycatlady2 9/15 image  image


    Cuddlymarm 6/15 image  image


    ErinBB 10


    GeorgianaCavendish 10/18 imageimageimage


    KajiKita 11/15 imageimageimage


    LadyWithAPlan 2/13 image


    laura lau 9/15 image  image


    leftatthetrafficlights 15/15 image  image  imageimageimage


    LittleMissDetermined 11/15 image  image  image


    Makingabobor2 9/15 image  image 


    QueenJess 2/15 image 


    Rupacomp 5/10 image  image 


    Saver-upper 3/15 image 


    short bird 11/18 image  image  image


    Newcomers welcome :)

  • cathybird
    cathybird Posts: 15,639 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done LittleMissDetermined, beanie, Crazycatlady2 and KajiKita :):)
  • Declaring early - 15 including today 😁
    DNF: £708.92/£1000
    JSF: £708.58/£1000

    Winter season grocery budget: £600.85/£900

    Weight loss challenge 2024: 11/24lbs
    1st quarter start:9st 13.1lb
    2nd quarter start:9st 9.2 lb
    3rd quarter start: 9st 6.8 lb
    4th quarter start: 9st 10.2 lb
    End weight: 8st 13lb

    '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'

  • beanielou
    beanielou Posts: 95,537 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • One for yesterday, forgot about it last night. So that puts me on 9/15 now. 

    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • 3 more NSD for me: one for Friday, one for Saturday and one for yesterday (Monday)!
    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
  • short_bird
    short_bird Posts: 4,016 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 19 December 2023 at 2:18PM
    Early call for day 11.
    ‘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.
  • NSD #9 for Sunday and NSD #10 for today please :) 
  • KajiKita
    KajiKita Posts: 7,634 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Got one! 😊

    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 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.