October NSD challenge
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Outstanding October's No-Spend Days Challenge!
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
It's a NSD for me today, totally needed after my holiday as the bank accounts need to recover
LMD
PS - can I have a target of 18 please @cathybird?Life 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 -
Off to a start =
5 days =
10 days =
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20 days =
Target reached =
Target beaten =
October targetsAuntieL 2/15beanielou 1/19BestnamesRgone 15Caeraugirl 18cathybird 2/15Crazycatlady2Doris17 12Geriatricmum 10Honeysucklelou2HotDog2020 10KajiKita 2/20laura lau 18laurenh 1/18leftatthetrafficlights 1/24LittleMissDetermined 1/18Makingabobor2 15Nintud 5QueenJess 2/10RisingPhoenix1 15RPD1953 10Rupacomp 2/15SecondStar 2/22short bird 1/18Worlds Worst Superherox raphael xx 1/25🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
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Reporting a NSD yesterday and another one today.2026 decluttering: 1,099 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 302🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0001 -
Another NSD today
‘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 -
2 NSDs 😊 !Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
I hadn’t bookmarked the October thread …. 😳 I have now! 😊❤️
Two NSDs so far …. 🥳
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- 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 26 books of target 52 in 2026 as @ 12th 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 -
Not a NSD. I bought a new battery for husband's car, which I could probably get away with but then I also ran to Lidl to stock up on the Lush dupes. My favourite shower gel is from Lush and is a staggering £20 a bottle, the Lidl copy I'd £2. I'll be going back
I did message my friend to see if she had some books I was thinking of buying, which she did and I emailed my sons school to see if they have a book my son wants 😇
My mortgage rises quite significantly in a month so i really need to be careful. Could have done without the car battery dying 😒2 -
5 day target for me please.
Haven’t managed a no spend day yet. Child maintenance from ex actually arrived on time yesterday so I bought son the ridiculously expensive hoodie he’s been hankering after. He’s a big lad and none of his winter clothes fit him. I managed to pick up a few tops and joggers for him from Vinted last month, but the hoodie he wanted wasn’t appearing in his size.
Today was vape refill pods. I really must give that up.
Looking at planned spending, I won’t stand a chance of a NSD until Wednesday of next week.MBNA 430/14000
Santander 435/10550
Nationwide 0/497
Santander OD 0/2900
Nationwide OD 21/100
Mortgage
NSD Jan/6
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What matters is how we live and love and how we spend our dash. (L Ellis)2
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