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 15/15beanielou 27/19BestnamesRgone 21/15Caeraugirl 18/18cathybird 18/15Crazycatlady2Doris17 3/12GeorgianaCavendish 8Geriatricmum 3/10Honeysucklelou2HotDog2020 8/10KajiKita 20/20laura lau 17/18laurenh1 11/18leftatthetrafficlights 27/24LittleMissDetermined 21/18Makingabobor2 15Nintud 3/5QueenJess 17/10RisingPhoenix1 16/15RPD1953 10Rupacomp 13/15SecondStar 24/22short bird 22/18Worlds Worst Superherox raphael xx 20/25🌞 🌞 Everyone welcome to join! 🌞 🌞0
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Shrewbie said:Hi @cathybird! I'd love to join for November. I'll start with 15 please.0
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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.
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 -
Declaring at 27/24 for October.DNF: £708.92/£1000
JSF: £708.58/£1000
Winter season grocery budget: £600.85/£900
Weight loss challenge 2024: 11/24lbs
1st quarter start:9st 13.1lb
2nd quarter start:9st 9.2 lb
3rd quarter start: 9st 6.8 lb
4th quarter start: 9st 10.2 lb
End weight: 8st 13lb
'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 me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
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.#21 Save £12k in 2025 £16977.35/£20000
August NSD Challenge 12/101 -
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 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 46 books of target 52 in 2025, as @ 28th August
Produce tracker: £353 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
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