December
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Dazzling December's No-Spend Days Challenge!
Comments
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I spent today as gas to get a light bulb and takeaway for tea
Going for 20 in January as need or want nothing1 -
NSD today and aim for 15 in January 😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 26 books of target 52 in 2026 as @ 12th April.
Produce tracker: £78 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 -
Hope you all had a lovely Christmas! 🎄🎄🎄
I am adding another 3 NSDs bringing me to NSD #15 (for 23, 25 and 26 December).Can I go for 15 NSD in January please?1 -
Hope everyone had a great Xmas.
One for me today please making my total 8/15
January I’m taking the month off please Cathybird as we go in holiday for two weeks of it. The month will be a using up and making do month but the rest of it depends on whether we can squeeze into our holiday clothes, need sun cream etc.
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2002 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 7/12
beanielou 18/19
cathybird 20/15
changingmyways23 5/10
Crazycatlady2 13/15
Cuddlymarm 8/15
ErinBB 10GeorgianaCavendish 15/18
KajiKita 16/15
LadyWithAPlan 2/13laura lau 15/15
leftatthetrafficlights 20/15
LittleMissDetermined 16/15
Makingabobor2 12/15
QueenJess 2/15
Rupacomp 5/10
Saver-upper 4/15
short bird 16/18
Newcomers welcome
1 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
January targetsAuntieL
basketcase 12
beanielou 19
cathybird 15
Crazycatlady2 20
Cuddlymarm
ErinBB
GeorgianaCavendish 15
KajiKita 15
LadyWithAPlan
laura lau
leftatthetrafficlights 24
LittleMissDetermined
Makingabobor2
QueenJess
Rupacomp
Saver-upper
short bird 20Newcomers welcome
0 -
Another NSD today.Making 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 £1570/£3000
.
Studies/surveys April.....£54.22
Decluttering items 1402/2025. 193/2026
Books read 23 in 2025. 2026- 10 (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 -
Well done Crazycatlady2, short bird, KajiKita, GeorgianaCavendish, cuddlymarm and Makingabobor2 1
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I'm in for January 😁 I'm also doing the 24 in 24 challenge so yep, you've guessed it - a target of 24 for me please!! 😁😂'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'2 -
Adding 4 NSD from Saturday to yesterday + 1 early call for today as I'm working from home and not planning to go anywhere. Lots of leftover to eat for lunch and dinner, so no expense needed for sure!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 43.5/662
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