November NSD challenge
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Nifty November's No-Spend Days Challenge!
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NSD todaySavings 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- 16/24DNF: £708.92/£1000
JSF: £708.58/£1000
Winter season grocery budget: £600.85/£900
Weight loss challenge 2024: 11/24lbs
1st quarter start:9st 13.1lb
2nd quarter start:9st 9.2 lb
3rd quarter start: 9st 6.8 lb
4th quarter start: 9st 10.2 lb
End weight: 8st 13lb
'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 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711
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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: 3,802🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 322🥉🥈🥇💎🏆
Big kitchen declutter challenge 98/150
2025 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 11/15beanielou 19/19BestnamesRgone 14/20Caeraugirl 12/20cathybird 18/15Geriatricmum 1/15HotDog2020 3/10Janeryan 1/5KajiKita 14/20laura lau 9/18laurenh1 13/18leftatthetrafficlights 16/24LittleMissDetermined 12/18Makingabobor2 10/15Nintud 1/6QueenJess 10/15RisingPhoenix1 15Rupacomp 7/12SecondStar 11/20short bird 12/18Shrewbie 15TizerCat 12/16winterbear95 5/TFx raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞1
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