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Dazzling December's No-Spend Days Challenge!
Comments
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Hi guys
Another one for me please making my total 9
Sept Turtle 12/16 NSDs
Sept PADs £6352 -
One yesterday and 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.3 -
NSD today 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 65 books of target 52 in 2025, as @ 16th November
Produce tracker: £442 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.2 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
January targetsAuntieL 12
basketcase 12
beanielou 19
cathybird 15
Crazycatlady2 20
Cuddlymarm
ErinBB
GeorgianaCavendish 15
KajiKita 15
LadyWithAPlan
laura lau 16
leftatthetrafficlights 24
LittleMissDetermined
Makingabobor2 15
QueenJess
Rupacomp
Saver-upper
short bird 20Newcomers welcome
1 -
DecemberOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 9/12
beanielou 20/19
cathybird 21/15
changingmyways23 5/10
Crazycatlady2 13/15
Cuddlymarm 9/15
ErinBB 10GeorgianaCavendish 15/18
KajiKita 17/15
LadyWithAPlan 2/13laura lau 15/15
leftatthetrafficlights 20/15
LittleMissDetermined 16/15
Makingabobor2 13/15
QueenJess 2/15
Rupacomp 5/10
Saver-upper 4/15
short bird 17/18
Newcomers welcome
1 -
Another one for today, making 13
Will aim for 15 again in January
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £850/£3000
.
Studies/surveys November £0
Decluttering items 1382/2025
Books read 20
Jigsaws done 18
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
yes I 'm in for January, I'd like to put down 16 days please!
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 -
An unexpected NSD today making 17.‘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 -
2 NSDs for me - 25th and 27th Dec - taking my total so far to 9.
I’m going to aim for 12 in January. Thanks @cathybirdDebt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
Well done laura lau, cuddlymarm, beanie, KajiKita, Makingabobor2, short bird and AuntieL 2
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