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Splendid September's No-Spend Days Challenge!

Welcome to Splendid September's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change your mindset because you get out of the habit of frittering money away and start automatically holding off from spending instead. It also helps you delay purchases, which in turn means you lose interest in a lot of things you might otherwise impulse buy.

Another good thing with this challenge is we're all in it together, and people will help you on bad days and cheer you on on good days, and the support and accountability can really help make it easier to keep going with it. And if all else fails, there's always next month

To join, just post the number of no-spend days (NSDs) you're aiming for in September and you are on your way!

Tips for the challenge:
1. It's totally up to you but if you've never done the challenge before, it's probably simpler to start with a goal of 10 or (at most) 15.

2. It is fine to exclude necessary expenses eg petrol, groceries, pet food, etc, when it comes to deciding what is and isn't an NSD. It is also completely fine to exclude automated or recurring payments such as bills, mortgage or direct debits.

3. It does help to post every time you notch up an NSD, or at least every two or three days ... it's easy to lose track! If you want to keep track of your NSDs in your MSE signature, that can be really motivating too

4. It also helps to bookmark the thread, it's much easier to find.

5. NSDs are trickier than they seem and easily derailed. It can work better if you notch up as many days as you can in the first half of the month, or think of the month in thirds so if you're aiming for 10 NSDs, try to do 4 days in the first 10, 3 in the second and 3 in the third. And if you feel that you're falling behind, there's no shame in changing your target! Sometimes life just gets in the way, and the challenge should be fun, not a grind.

September

Off to a start = image

5 days = image

10 days = image

15 days = image

20 days = image

Target reached = image

Target beaten = image


To see the updated results for September at any point, click here :)
«13456733

Comments

  • cathybird
    cathybird Posts: 14,434 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 1 September at 11:28AM
    September targets

    AppleADay2024

    AuntieL 15

    beanielou 19

    Caeraugirl 15

    cathybird 15

    Crazycatlady2

    Doris17 12

    Geriatricmum 10

    HotDog2020 15

    ilovetea

    KajiKita 20

    laura lau 15

    laurenh

    leftatthetrafficlights

    LittleMissDetermined 8

    Makingabobor2

    MoneyFreedom24

    Mrs Cautious

    Prodigal50 15

    Rupacomp 15

    Saver-upper

    SecondStar

    short bird 18

    Worlds Worst Superhero 20




    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • HotDog2020
    HotDog2020 Posts: 1,145 Forumite
    1,000 Posts Fifth Anniversary Name Dropper Photogenic
    Thank you @ Cathybird I am loving the cool characters on September emoji targets, I almost missed the new thread link, Yay I found it! Good luck everyone tomorrow and for the rest of the month. 🏋️‍♀️🏋️‍♀️🏋️‍♀️🤩🤩🤩
    October's Missions:-

    Mission 1 - NS days aim 10/31 actual 5/31 Current Month October.

    Mission 2 - Get a new job (Full time) ASAP 

    Mission 3 - Keep the lodger - so far so good.

    🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️
  • cathybird
    cathybird Posts: 14,434 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
  • Doris17
    Doris17 Posts: 752 Forumite
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    Can you put me down foe 12 please @cathybird.

    Thanks

    "Make Everyday Count"



  • beanielou
    beanielou Posts: 92,539 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Starting the month with no 1.  
    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.
  • cathybird
    cathybird Posts: 14,434 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    September NSD challenge


    Off to a start = image

    5 days = image

    10 days = image

    15 days = image

    20 days = image

    Target reached = image

    Target beaten = image


    September targets


    AppleADay2024


    AuntieL 15 


    beanielou 1/19  image


    Caeraugirl 15 


    cathybird 15 


    Crazycatlady2  


    Doris17 12 


    Geriatricmum 10 


    HotDog2020 15 


    ilovetea  


    KajiKita 20 


    laura lau 15 


    laurenh  


    leftatthetrafficlights


    LittleMissDetermined 8  


    Makingabobor2  


    MoneyFreedom24  


    Mrs Cautious


    Prodigal50 15


    Rupacomp 15 


    Saver-upper


    SecondStar  


    short bird 18  


    Worlds Worst Superhero 20 





    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • cathybird
    cathybird Posts: 14,434 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    September results updated here :):)
  • HotDog2020
    HotDog2020 Posts: 1,145 Forumite
    1,000 Posts Fifth Anniversary Name Dropper Photogenic
    I can't start this month off today, I bought more groceries, petrol and since I was offered a discount I got two keys copied, which were needed. I am not planning on making any more spends though.
    October's Missions:-

    Mission 1 - NS days aim 10/31 actual 5/31 Current Month October.

    Mission 2 - Get a new job (Full time) ASAP 

    Mission 3 - Keep the lodger - so far so good.

    🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️
  • Doris17
    Doris17 Posts: 752 Forumite
    Ninth Anniversary 500 Posts Name Dropper Combo Breaker
    NSD 1 for me. 1/12

    "Make Everyday Count"



  • Caeraugirl
    Caeraugirl Posts: 464 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Claiming my first NSD of the month.
    #19 Save £12k in 2024 £10808.21/£12000

    October NSD Challenge 6/18
Meet your Ambassadors

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