December
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Dazzling December's No-Spend Days Challenge!
Comments
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Unfortunately, I've spent on both day 1 and 2 (socialising yesterday + hair cut today)... Hoping for a NSD tomorrow.Paying down my debt
Aug '24: Debt-free!
Jul '24: £772.75
Jun '24: £1441.03
Apr '24: £2,313.27
Mar '24: £3,132.45
Feb '24: £3,632.45
Jan '24: £4,082.45
Dec '23: £4447.55
Read my debt-free diary1 -
Thanks Cathy bird for the threads
I disappeared for a bit at the end of November but I bear my target yay
For December I'll go for 15 please
Hope everyone has a great month1 -
Spent yesterday and today so not a good start 😭1
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Declaring another NSD for today.
2026 decluttering: 1,099 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 302🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0000 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 1/12beanielou 1/19cathybird 1/15changingmyways23 10Crazycatlady2 15Cuddlymarm 1/15Doris17ErinBB 10GeorgianaCavendish 1/18KajiKita 1/15LadyWithAPlan 13laura lau 15leftatthetrafficlights 2/15LittleMissDetermined 1/15Makingabobor2 15QueenJess 2/15Rupacomp 10Saver-upper 15short bird 1/18Newcomers welcome
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changingmyways23 said:Unfortunately, I've spent on both day 1 and 2 (socialising yesterday + hair cut today)... Hoping for a NSD tomorrow.
@changingmyways23 and @Crazycatlady2, I don't personally ever feel that having a spendy day per se is a bad thing, we've all got to spend money sometimes! It's all good, plenty of month left xxCrazycatlady2 said:Spent yesterday and today so not a good start 😭 0 -
Day 2 today 😁'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'1 -
One for today please
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2001 -
First one today. Had a haircut but that was budgeted / saved for and we bought a Christmas tree but we split that cost and it came out of my pocket money. 😊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
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