November NSD challenge
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Nifty November's No-Spend Days Challenge!
Comments
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NSD today
Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Declaring early- 16/24'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
Nov GC: £167.40/£350
Dec GC: £0/£350
DNF: 2/45
'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 -
Not yesterday but will be today 😊
KKAs at 15.11.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £228,473
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 76 books of target 52 in 2025, as @ 7th December
Produce tracker: £442 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 -
2 more please for yesterday and today. I don't think I will hit my target this month, but I will still try my best!Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60001
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NSD for me today!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 -
Should be a NSD today at last. Spent £3 yesterday on charity shop books.
2025 decluttering: 5,378 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 473🥉🥈🥇💎🏆Big kitchen declutter challenge 139/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
Not a NSD as I booked cinema tickets for Monday with my girl friends from work. I did use a loyalty coupon when putting fuel in my car and I am still in budget - hurrah!1
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 11/15
beanielou 19/19
BestnamesRgone 14/20
Caeraugirl 12/20
cathybird 18/15
Geriatricmum 1/15
HotDog2020 3/10
Janeryan 1/5
KajiKita 14/20
laura lau 9/18
laurenh1 13/18
leftatthetrafficlights 16/24
LittleMissDetermined 12/18
Makingabobor2 10/15
Nintud 1/6
QueenJess 10/15
RisingPhoenix1 15Rupacomp 7/12
SecondStar 11/20
short bird 12/18
Shrewbie 15TizerCat 12/16
winterbear95 5/TF
x raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
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