October NSD challenge
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Outstanding October's No-Spend Days Challenge!
Comments
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Another NSD here as the first tai chi class is free 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
NSD for me today, thanks 🙂2
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Up to 18 NSDs
‘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.
Frugal living in 2026.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
6 month Emergency Fund: £5,768 / £8,000
Nationwide 1 year 6.5% Savings - £1,600 / £2,2002 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 9/15
beanielou 21/19
BestnamesRgone 17/15
Caeraugirl 14/18
cathybird 13/15
Crazycatlady2Doris17 3/12GeorgianaCavendish 8Geriatricmum 3/10
Honeysucklelou2HotDog2020 8/10
KajiKita 15/20
laura lau 15/18
laurenh1 11/18
leftatthetrafficlights 23/24
LittleMissDetermined 17/18
Makingabobor2 15Nintud 2/5
QueenJess 14/10
RisingPhoenix1 16/15
RPD1953 10Rupacomp 11/15
SecondStar 18/22
short bird 18/18
Worlds Worst Superherox raphael xx 13/25
🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
I'm back from my short trip away (which I think I actually forgot to mention I was on?) so I will be back in the saddle with hopefully a few NSDs in a row tomorrow.
October results updated here 5 -
As at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £1471.53/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £1471.53/£6700
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'1 -
Early call for one today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60000 -
Welcome back @cathybird hope you had a lovely time! I am flying toDublin tonight and back on Monday, so today will not be a NSD for sure, tomorrow I'm at my friend's baby shower, so maybe, and Sunday we will be celebrating jointed birthdays so I doubt! I will report back once I'm safely back home on Monday evening! If we are planning days for November in the meantime I am aiming at 15 as I have another couple of weekends away planned, one day in London, and I'm sure end of year type of gatherings will start to pop up...
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 -
@KajiKita @leftatthetrafficlights @laura_lau I had a great time, thanks - happy to be back home again though
Today will definitely be an NSD after a week of spendy days!2
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