October NSD challenge
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Outstanding October's No-Spend Days Challenge!
Comments
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NSD as planned today! So I managed to hit 21 of my 25 target.
I'll aim for 25 again in Nov.
I am planning a tech detox for Nov, so I won't be posting a lot, but I'll keep track and pop in once or twice, at least at the end of the month.
Debt Free as of 17/01/2009 Turtle Power!!
EF Challenger #3 £1543.72 / £5000
MFW 2024 #100 £1300.00 / £10,000
MFiT #40 Jan 2025 Target - £99,999.00
Mortgage at 30/09/22 £113,694.11 | Mortgage at 24/01/23 £110,707.87
Mortgage at 21/04/23 £107,701.01 | Mortgage at 20/07/23 £106,979.65
Mortgage at 04/10/23 £106,253.77 | Mortgage at 10/01/24 £105,324.57
Mortgage at 01/04/24 £104,424.73 | Mortgage at 01/10/24 £103,594.981 -
A final NSD for October, thanks for running the challenge cathybird 💐🙏1
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Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =October targetsAuntieL 15/15beanielou 27/19BestnamesRgone 22/15Caeraugirl 18/18cathybird 18/15Crazycatlady2Doris17 3/12GeorgianaCavendish 8Geriatricmum 3/10Honeysucklelou2HotDog2020 8/10KajiKita 20/20laura lau 18/18laurenh1 11/18leftatthetrafficlights 27/24LittleMissDetermined 21/18Makingabobor2 15Nintud 3/5QueenJess 17/10RisingPhoenix1 16/15RPD1953 10Rupacomp 13/15SecondStar 24/22short bird 23/18Worlds Worst Superherox raphael xx 21/25🌞 🌞 Everyone welcome to join! 🌞 🌞0
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November targetsAuntieL 15beanielou 19BestnamesRgone 20Caeraugirl 20cathybird 15Doris17Geriatricmum 15KajiKita 20laura lau 18laurenhleftatthetrafficlights 24LittleMissDetermined 18Makingabobor2 15NintudQueenJess 15RisingPhoenix1 15Rupacomp 12SecondStarshort bird 18Shrewbie 15x raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞1
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And Halloween was day 23.‘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.2 -
As 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 -
i have to call one last day for October, wednesday 30th was a NSD and I think I managed to reach my target, just about!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 -
At a charity coffee morning today. Do I count the spends or not?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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Yay for October! Well done everyone. See you on the November thread, which is here0
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