December
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Dazzling December's No-Spend Days Challenge!
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NSD #2 for yesterday please
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Day 4 today...‘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.1 -
1 NSD for Friday and 1 for today, thanks!
This will will be spendy as I have to go to the office twice, so I don't expect to have another NSD until Friday sadly..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 -
Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =December targetsAuntieL 2/12beanielou 4/19cathybird 4/15changingmyways23 1/10Crazycatlady2 15Cuddlymarm 1/15Doris17ErinBB 10GeorgianaCavendish 3/18KajiKita 1/15LadyWithAPlan 2/13laura lau 2/15leftatthetrafficlights 4/15LittleMissDetermined 3/15Makingabobor2 1/15QueenJess 2/15Rupacomp 2/10Saver-upper 15short bird 4/18Newcomers welcome
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NSD #2 today - I do need to do some Xmas online shopping but I am determined to declare some NSD to start Dec well.
DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest1 -
I spent on Sunday 3rd but not today - so 1 NSD for me today pleasePaying 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 -
Hi
I’m afraid that today and tomorrow are very spendy days. I got the ok to return to work so I’m doing half my hours and light duties for the first two weeks and then gradually more but it means I need to get Xmas sorted, the cards done and sent and the present money sent to the various great nieces and nephews. Luckily I won’t need to break into the credit cards this year as I’ve not spent much while I’ve been off sick.
June NSD 8/151 -
NSD for me today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
June 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
Well done LittleMissDetermined, beanie, GeorgianaCavendish, short bird, laura lau, LadyWithAPlan, changingmyways23 and AuntieL1
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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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1
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