Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15
We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Nifty November's No-Spend Days Challenge!
Comments
-
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 £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1600/3000
.
Studies/surveys April.....£54.22
Decluttering items 1402/2025. 195/2026
Books read 23 in 2025. 2026- 10 (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-up1 -
NSD for me today, not stepped outside the house all day!0
-
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
-
Another nsd todayMFW 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/£10001 -
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.
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 -
I think that shouldn't count as spending. Well done for helping him[Deleted User] 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 £26,764....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1600/3000
.
Studies/surveys April.....£54.22
Decluttering items 1402/2025. 195/2026
Books read 23 in 2025. 2026- 10 (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 -
@[Deleted User] 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 free[Deleted User] 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:
@[Deleted User] 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 free[Deleted User] 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 me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60002
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.3K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.2K Work, Benefits & Business
- 603.9K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards