September NSD challenge
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Splendid September's No-Spend Days Challenge!
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I wanted one, I had good intentions when I left for my first day at work, then I got hungry, ate extra sandwich, crisps and drink, then went home and bought fish and chips as I have nothing in substantial as I was trying to go on a diet!1
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and it's Hello! to day 2.‘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 -
I forgot to post yesterday and like Hotdog, forgot to bookmark the September thread! 😂
Yesterday and today have been NSDs so we are away 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
@AuntieL that's fantastic! Congratulations xxAuntieL said:First NSD of September today (Monday) 😁
But more importantly, today I paid off my last debt (except for my mortgage) 🤩 I already feel so much lighter being debt-free and am going to keep being more mindful with my money to make sure I don’t fall back into debt.
I know how that feels, it's a great feeling! 1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
September targetsAppleADay2024AuntieL 1/15beanielou 3/19Caeraugirl 1/15cathybird 2/15Crazycatlady2Doris17 1/12Geriatricmum 1/10HotDog2020 15iloveteaKajiKita 2/20laura lau 15laurenh 1/18leftatthetrafficlightsLittleMissDetermined 1/8Makingabobor2 1/15MoneyFreedom24Mrs CautiousProdigal50 15Rupacomp 15Saver-upperSecondStar 2/TFshort bird 2/18Worlds Worst Superhero 20🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
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Thank you @cathybird!cathybird said:
@AuntieL that's fantastic! Congratulations xxAuntieL said:First NSD of September today (Monday) 😁
But more importantly, today I paid off my last debt (except for my mortgage) 🤩 I already feel so much lighter being debt-free and am going to keep being more mindful with my money to make sure I don’t fall back into debt. I know how that feels, it's a great feeling! 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 -
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 -
1 for me for yesterday 😁1
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Apologies for disappearing last month, August was difficult.
I’ve had 2 NSDs so far in September, not sure what my target is yet but will let you know ‘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 - £600 / £2,4001
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