November NSD challenge
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Nifty November's No-Spend Days Challenge!
Comments
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Unexpected 3rd for me today please as OH hasn't asked for the weekly food money yet :-)Debt at LBM 2010 £40,640.17. Debt Free 2017 Debt 2023 £24k I didn't learn! Debt now £7,600. NEW Goal Debt free by 20271
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Off to a start =
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November targetsAuntieL 3/15beanielou 5/19
BestnamesRgone 4/20Caeraugirl 20cathybird 4/15Crazycatlady2Doris17GeorgianaCavendishGeriatricmumHoneysucklelou2HotDog2020KajiKita 3/20laura lau 3/18laurenh1 3/18leftatthetrafficlights 4/24LittleMissDetermined 2/18Makingabobor2 2/15Nintud 1/6QueenJess 2/15RisingPhoenix1 15Rupacomp 1/12SecondStar 3/20short bird 3/18Shrewbie 15TizerCat 3/16winterbear95 3/TFx raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
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Another NSD for me 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 👑1,0002 -
Not totally sure what I’m doing in this thread tbh
I mean what target to set myself, I’m new to this forum
Monday was another NSD
but today I need to buy milk, bread, and nachos to go with chilli and jacket potatoes for dinner tonight4 -
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.3 -
Today will be a NSD 🙂3
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Hi Winterbear and welcome 🤗winterbear95 said:Not totally sure what I’m doing in this thread tbh
I mean what target to set myself, I’m new to this forum
Monday was another NSD
but today I need to buy milk, bread, and nachos to go with chilli and jacket potatoes for dinner tonight
Typically, things like groceries, fuel and medication don’t count as ‘spends’ as they are usually deemed essential.What brought you here in the first place? 😊
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.3 -
@winterbear95 those are basic groceries so they are one of the things that can be excluded. In other words, if that's all you spent today, it's still an NSD. Also don't worry about setting a target, it's fine if you want to see how you go! xxwinterbear95 said:Not totally sure what I’m doing in this thread tbh
I mean what target to set myself, I’m new to this forum
Monday was another NSD
but today I need to buy milk, bread, and nachos to go with chilli and jacket potatoes for dinner tonight3 -
NSD for me today 😁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/£10002
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