Dazzling December's No-Spend Days Challenge!

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  • One unexpected NSD for me today!
    My debt free journey starts on 30/08/2023:

    CC1 - 5,151.92 now 5,110.89
    CC2 - 4,625.87 now 4,706.52
    CC3 - 4,166.15 now 4,503.33
    Current outstanding total: 14,320.74

    Aiming to be debt free by Dec 2026.

    April 2024 No-Spend Day Challenge - 10/18
    NST April 2024 - 
    #21 1p savings challenge 2024 £147.11/£671.61
  • It's one for me today please
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2024 £2551.68 | EF £1000/£1000 | Sabbatical £970/£3000 | Holiday spends £540 | General Saver £2422.48
  • beanielou
    beanielou Posts: 90,193 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    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.
  • Adding 2 NSDs, forgot to declare them. I had to go through my week and check as I seemed to have got in a pickle....but its definitely 4/15 now
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £33,676

    Mortgage 04/24  £17,400 Officially ends June '26 but plan to be MF sooner
    Total OPs 2022 - £240   2023 - £1766
    OPs so far in 2024 £581.00


    Challenges

    EF #68  £335/£1000
    1p a Day '24 #12  £76/£667.  SPC '24 #41 £13.75
    Christmas '24 £12. 
     
    Make £5 a day - Apr £78.82/£150            
    NSDs April 7/15

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


  • KajiKita
    KajiKita Posts: 3,653 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Not one on Sunday (bought a novel at the airport) but Monday, Tuesday and today are all NSDs 😊

    KK
    As at 17.03.24:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £255,571, end date brought closer by 2 months  
    - OPs to mortgage = £5,965, Interest saved £2,124, to date
    - LTV 51% @ccord, 51% Yopa
    Fixed rate 2.17% ends October 2024

    Read 13 books of target 52 in 2024 (as @ 9th April)
    Produce tracker: £22.24 of £300

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
  • cathybird
    cathybird Posts: 13,284 Forumite
    First Post Name Dropper First Anniversary Photogenic
    edited 7 December 2023 at 9:42PM

    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 2/12 image

    beanielou 5/19 image  image


    cathybird 5/15  image  image


    changingmyways23 1/10 image


    Crazycatlady2 15


    Cuddlymarm 1/15 image


    Doris17


    ErinBB 10


    GeorgianaCavendish 3/18 image


    KajiKita 4/15 image


    LadyWithAPlan 2/13 image


    laura lau 3/15 image


    leftatthetrafficlights 4/15 image


    LittleMissDetermined 5/15 imageimage


    Makingabobor2 4/15 image


    QueenJess 2/15 image


    Rupacomp 3/10 image


    Saver-upper 15


    short bird 5/18 imageimage


    Newcomers welcome :)

    In April I am taking a break from buying: Books
  • Rupacomp
    Rupacomp Posts: 231 Forumite
    First Anniversary Name Dropper First Post Photogenic
    Another nsd today
    Savings goal by 31/12/24: £22000
    Dec 23: £6945.23
  • cathybird
    cathybird Posts: 13,284 Forumite
    First Post Name Dropper First Anniversary Photogenic
    Well done laura lau, LittleMissDetermined, beanie, Makingabobor2, KajiKita and Rupacomp :):)
    In April I am taking a break from buying: Books
  • It's another one for me today, early call I know but I'm busy all day working and then not going out :)
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2024 £2551.68 | EF £1000/£1000 | Sabbatical £970/£3000 | Holiday spends £540 | General Saver £2422.48
  • short_bird
    short_bird Posts: 3,669 Forumite
    Name Dropper First Post First Anniversary
    Early call for day 5. As usual, extremely busy in December and very quiet during January so future me will be very happy with no spend days this month and, of course, not going crazy on the days when I do spend.
    Cancel the kitchen scraps for lepers and orphans, no more merciful beheadings, and call off Christmas.
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