November NSD challenge
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Nifty November's No-Spend Days Challenge!
Comments
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new NSD for me todayDebt 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 43.5/662 -
another 2 for me pleased CB, one yesterday and ones today. Not one on Monday as I bought my son a christmas gift in the sale, that I was not planning. Still happy with my buy though!2
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 3/15beanielou 6/19
BestnamesRgone 5/20
Caeraugirl 3/20cathybird 5/15
Crazycatlady2Doris17GeorgianaCavendishGeriatricmumHoneysucklelou2HotDog2020KajiKita 5/20
laura lau 4/18laurenh1 6/18
leftatthetrafficlights 5/24
LittleMissDetermined 2/18Makingabobor2 3/15Nintud 1/6QueenJess 4/15RisingPhoenix1 15Rupacomp 1/12SecondStar 5/20
short bird 3/18Shrewbie 15TizerCat 4/16winterbear95 3/TFx raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
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NSD here (only cat food spent on here, which is very much deemed essential by the feline residents! 😉).
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.2 -
After a spendy Friday and Saturday, I'm now off the mark with NSDs on Sunday, Monday and today.#15 Save £12k in 2026 £6000/£120002
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Up to 5 NSDs
‘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 -
Almost forgot, 1 for today. I did spend, but it was bread, almond milk & veg from planned budgetsMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £690/3000
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Studies/surveys May...£66.15
Decluttering items 1400/2025. 206/2026
Books read 23 in 2025. 2026- 13 (target is 52)
Jigsaws done 20 in 2025. 3 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Declaring a NSD early today. No time for spending!2026 decluttering: 1,156 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 335🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0001 -
another one today please CB We are working hard to stick to budgets, while we adjust to the higher mortgage rate and also trying to make the most of what we have in for dinners and lunches. 1
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