We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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
12425262830

Comments

  • cathybird
    cathybird Posts: 15,631 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done leftatthetrafficlights, KajiKita, laura lau, LittleMissDetermined, short bird, GeorgianaCavendish, Makingabobor2 and beanie :):)
  • Very early declaration for the last NSD of 2023 from me. 
    Happy new year and see you on the January thread 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • AuntieL
    AuntieL Posts: 370 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    Declaring an early NSD for me today, taking me up to 10/12
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    June 2025 NSD Challenge 1/18

    MFW 2025 #45
    Jan 2016 Mortgage = £149,895
    Current outstanding = £97,725
    2024 Overpayment = £675.66
    2025 Overpayment = £529/£700
  • beanielou
    beanielou Posts: 95,520 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.
  • Yay...I've beaten my target.  16/15
    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  £500/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  July £79.31

    Decluttering items 755

    Books read    12
    Jigsaws done  8

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


  • cathybird
    cathybird Posts: 15,631 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 31 December 2023 at 1:19PM

    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 10/12 image  image  image

    beanielou 23/19 image  image  image  image  image  image  image 


    cathybird 23/15  image  image  image  image  image  image  image 


    changingmyways23 5/10 imageimage 


    Crazycatlady2 13/15 image  image  image


    Cuddlymarm 9/15 image  image


    ErinBB 10


    GeorgianaCavendish 18/18 image  image  image  image  image


    KajiKita 20/15 image  image  image  image  image  image  image


    LadyWithAPlan 2/13 image


    laura lau 17/15 image  image  image  image  image  image 


    leftatthetrafficlights 23/15 image  image  image  image  image  image  image 


    LittleMissDetermined 19/15 image  image  image  image  image  image 


    Makingabobor2 16/15 image  image  image  image  image 


    QueenJess 2/15 image 


    Rupacomp 5/10 image  image 


    Saver-upper 4/15 image 


    short bird 20/18 image  image  image  image  image  image  image 


    Newcomers welcome :)

  • KajiKita
    KajiKita Posts: 7,620 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Not today. Bought my veg seed gaps for the season after declaring yesterday.

    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 = £11,338 Interest saved £5225 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. 
  • short_bird
    short_bird Posts: 4,015 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Day 20 as a certain purveyor of gluten free cakes and coffee was understaffed (which was annoying) along with a noodle bar having too small a kitchen to risk feeding me (not so annoying, they won't risk it).
    ‘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.
  • cathybird
    cathybird Posts: 15,631 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done LittleMissDetermined, AuntieL, beanielou, Makingabobor2 and short bird :):)
  • KajiKita
    KajiKita Posts: 7,620 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 31 December 2023 at 7:49AM
    Today is an NSD - we have my outlaws coming over for lunch so that will take all day 😉
    I think that makes 20 days for me this month - I am honestly amazed…. 😊

    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 = £11,338 Interest saved £5225 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
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 599K Mortgages, Homes & Bills
  • 176.9K 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.