October NSD challenge
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Outstanding October's No-Spend Days Challenge!
Comments
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Up to 20 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 / £2,2001 -
NSD for me today, thanks1
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 11/15
beanielou 23/19
BestnamesRgone 18/15
Caeraugirl 14/18
cathybird 14/15
Crazycatlady2Doris17 3/12GeorgianaCavendish 8Geriatricmum 3/10
Honeysucklelou2HotDog2020 8/10
KajiKita 16/20
laura lau 15/18
laurenh1 11/18
leftatthetrafficlights 24/24
LittleMissDetermined 17/18
Makingabobor2 15Nintud 2/5
QueenJess 17/10
RisingPhoenix1 16/15
RPD1953 10Rupacomp 12/15
SecondStar 20/22
short bird 19/18
Worlds Worst Superherox raphael xx 13/25
🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
0
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NSD here 😊
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.0 -
NSD from Thurs 😊Savings goal by 31/12/24: £22000
Dec 23: £6945.230 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
November targetsAuntieLbeanielou 19BestnamesRgoneCaeraugirlcathybird 15Doris17Geriatricmum 10KajiKitalaura laulaurenhleftatthetrafficlights 24LittleMissDeterminedMakingabobor2 15NintudQueenJess 15RisingPhoenix1RupacompSecondStarshort bird 18🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
24/24 for me today.
Could you put me down for 24 in November please? 😁'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 -
Ooh, can I go for 15 in November please @cathybird ? It’ll be the end of my job, so need to spend as little as I can!2026 decluttering: 1,120 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 317🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0002 -
Completely messed up this month & lost count. So forgetting about the rest of this month & will start again with 15 for November.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £630/3000
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Studies/surveys April.....£131.34
Decluttering items 1402/2025. 195/2026
Books read 23 in 2025. 2026- 11 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1
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