Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Nifty November's No-Spend Days Challenge!
Comments
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another one today, up to 11/15 now. Can't believe how well I've done this month. Think the cold snap in the weather is stopping me from wanting to go out and spend random bits in local shops.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £800/£3000
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Studies/surveys October £54.35
Decluttering items 1358/2025
Books read 19
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
NSD for me today, not stepped outside the house all day!0
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I thought it was a no spend day, but actually I made a donation, I am not sorry the poor chap was out in the cold...awful!1
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Another nsd todayMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
Up to 16 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.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
Nationwide 1 year 6.5% Savings - £1,000 / £2,2001 -
I think that shouldn't count as spending. Well done for helping himHotDog2020 said:I thought it was a no spend day, but actually I made a donation, I am not sorry the poor chap was out in the cold...awful!Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,084....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £800/£3000
.
Studies/surveys October £54.35
Decluttering items 1358/2025
Books read 19
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
@HotDog2020 this issue has come up on the thread before and if the only spend all day is a donation to charity the conclusion was that it could be discounted, so if you wanted to call it an NSD feel freeHotDog2020 said:I thought it was a no spend day, but actually I made a donation, I am not sorry the poor chap was out in the cold...awful! 2 -
November NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 12/15
beanielou 19/19
BestnamesRgone 15/20
Caeraugirl 12/20
cathybird 19/15
Geriatricmum 1/15HotDog2020 4/10
Janeryan 1/5
KajiKita 14/20
laura lau 9/18
laurenh1 13/18
leftatthetrafficlights 16/24
LittleMissDetermined 13/18
Makingabobor2 11/15
Nintud 1/6QueenJess 10/15
RisingPhoenix1 15Rupacomp 7/12
SecondStar 16/20
short bird 12/18
Shrewbie 15TizerCat 12/16
winterbear95 5/TF
x raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
Okay thanks I will that is 4/10, Thank you 🤩.cathybird said:
@HotDog2020 this issue has come up on the thread before and if the only spend all day is a donation to charity the conclusion was that it could be discounted, so if you wanted to call it an NSD feel freeHotDog2020 said:I thought it was a no spend day, but actually I made a donation, I am not sorry the poor chap was out in the cold...awful!2 -
It's another one for me today
LMD xLife 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 £3677/£60002
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