September NSD challenge
We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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!
Splendid September's No-Spend Days Challenge!
Comments
-
Not 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 -
new NSD for me today!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 -
3/15 @cathybird please, I just checked my card and I hadn't spent yesterday, first in many I hope. Today is looking good too. I'll let you know. Thank you.1
-
One for yesterday takes me to day 9, thank you 🙏1
-
Question - if I had a ‘spend’ day where I bought an item, but I then changed my mind and returned it another day for a refund, does that original day still count as a ‘spend’? Or would you then class it as a NSD?
No right or wrong answers I suppose, but just to gauge opinion!‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’Frugal living in 2024.
Frugal living in 2025.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
Nationwide 1 year 6.5% Savings - £800 / £2,2001 -
I would defo add a No spend day 😊SecondStar said:Question - if I had a ‘spend’ day where I bought an item, but I then changed my mind and returned it another day for a refund, does that original day still count as a ‘spend’? Or would you then class it as a NSD?
No right or wrong answers I suppose, but just to gauge opinion!2 -
Another one today. Up to 8/15Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,524....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Studies/surveys September £12.02
Decluttering items 1194/2025
Books read 16
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
@SecondStar if that was the only thing you bought on the spendy day, and you later got a refund, it seems logical to consider it an NSD instead.SecondStar said:Question - if I had a ‘spend’ day where I bought an item, but I then changed my mind and returned it another day for a refund, does that original day still count as a ‘spend’? Or would you then class it as a NSD?
No right or wrong answers I suppose, but just to gauge opinion!
1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
September targetsAuntieL 9/15
beanielou 17/19
BestnamesRgone 9/12
Caeraugirl 9/15
cathybird 14/15
Crazycatlady2 1/18Doris17 4/12Geriatricmum 8/10
HomeHelpPlease101 15Honeysucklelou2 2/10HotDog2020 3/15iloveteaKajiKita 16/20
laura lau 7/15
laurenh 11/18
leftatthetrafficlights 4/24
LittleMissDetermined 12/8
Makingabobor2 8/15
QueenJess 2/5
Prodigal50 15Rupacomp 7/15
Saver-upperSecondStar 17/TF
short bird 12/18
Worlds Worst Superhero 9/20
🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.6K Banking & Borrowing
- 253.3K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.6K Work, Benefits & Business
- 599.9K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards