November NSD challenge
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Nifty November's No-Spend Days Challenge!
Comments
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Can I put 15 days down for January @cathybird please?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 -
21/24 for me please 😁
Can I have 24 for December 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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 16/15
beanielou 26/19
BestnamesRgone 20/20
Caeraugirl 16/20
cathybird 23/15
Geriatricmum 1/15HotDog2020 4/10
Janeryan 2/5
KajiKita 19/20
laura lau 15/18
laurenh1 17/18
leftatthetrafficlights 21/24
LittleMissDetermined 14/18
Makingabobor2 13/15
Nintud 1/6QueenJess 12/15
RisingPhoenix1 15Rupacomp 9/12
SecondStar 22/20
short bird 16/18
Shrewbie 15TizerCat 12/16
winterbear95 5/TF
x raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
1
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Yes there's a shiny new month just round the corner, any thoughts on targets? ...
December targetsAuntieL 15beanielou 19BestnamesRgone 15Caeraugirl 15cathybird 15GeriatricmumHotDog2020 10JaneryanKajiKita 15laura lau 15laurenhleftatthetrafficlights 24LittleMissDeterminedMakingabobor2 15NintudQueenJess 15RisingPhoenix1RupacompSecondStarshort bird 18TizerCatwinterbear95x raphael xx🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
Bagged another one today, taking me up to 16/20.#15 Save £12k in 2026 £7500/£120001
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not not one today as bought a few unbudgeted Xmas bits….Will have to set a lower December target I think… will try for 15, thanks cb 🙏0
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NSD Thursday here 😊 Had to pay to post a letter but paid from coins in my purse.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 = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 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 -
Declaring NSD for yesterday and today. Did have a spend yesterday as my dog had his yearly checkup/ boosters at the vet but I’d class this as essential and I’d budgeted for it.Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10001 -
2 NSDs to report
Savings goal by 31/12/24: £22000
Dec 23: £6945.231
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