October NSD challenge
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Outstanding October's No-Spend Days Challenge!
Comments
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Wednesday is NSD 22.‘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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 15/15
beanielou 27/19
BestnamesRgone 21/15
Caeraugirl 18/18
cathybird 18/15
Crazycatlady2Doris17 3/12GeorgianaCavendish 8Geriatricmum 3/10
Honeysucklelou2HotDog2020 8/10
KajiKita 20/20
laura lau 17/18
laurenh1 11/18
leftatthetrafficlights 27/24
LittleMissDetermined 21/18
Makingabobor2 15Nintud 3/5
QueenJess 17/10
RisingPhoenix1 16/15
RPD1953 10Rupacomp 13/15
SecondStar 24/22
short bird 22/18
Worlds Worst Superherox raphael xx 20/25
🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
@Shrewbie welcome to our lovely thread! I've added you to the list for NovemberShrewbie said:Hi @cathybird! I'd love to join for November. I'll start with 15 please.
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Calling it early today for 24 NSDs in October! ‘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 -
Declaring at 27/24 for October.'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 -
2 more for yesterday and today to end the month please
LMD x
I will aim for 18 again in November as I am away and it's getting closer to Christmas
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/£60001 -
Claiming last two of the month for yesterday and today, taking me to my target of 18 for the month.
Up until now, I've not counted any automated bills / direct debits but have counted all grocery and diesel spends, including my weekly food delivery. I actually think this has hampered my attempts to stop spending unnecessarily as I just tend to piggyback other spending on delivery or additional food spend days as "I'm already spending anyway"...
So for next month I'm going to try excluding the weekly food delivery, essential food top up shops and any diesel spends and see whether that changes my patterns.
If anyone else has any tips and hints I'd love to hear them.
Thanks @cathybird for continuing to run the challenge, it's really helped me think about and improce my spending habits.#15 Save £12k in 2026 £6000/£120001 -
November targetsAuntieL 15beanielou 19BestnamesRgone 20Caeraugirl 20cathybird 15Doris17Geriatricmum 15KajiKita 20laura lau 18laurenhleftatthetrafficlights 24LittleMissDetermined 18Makingabobor2 15NintudQueenJess 15RisingPhoenix1 15Rupacomp 12SecondStarshort bird 18Shrewbie 15x raphael xx 18🌞 🌞 Everyone welcome to join! 🌞 🌞0
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NSD today … wasn’t meant to be but I went out and forgot my handbag …! 🙄😂😂😂
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
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