November NSD challenge
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Nifty November's No-Spend Days Challenge!
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Today has been a NSD 🙂1
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As usual not a NSD because of a £3.50 spend in the charity shop (cooking book and a drinking glass). Won’t be one tomorrow either as I’m going out for a nice meal with DH to celebrate our 11 year wedding anniversary.2025 decluttering: 3,550🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 309🥉🥈🥇💎🏆
Big kitchen declutter challenge 92/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
I'm going to aim for 15 NSDs for December.
I don't think I'm going to get more than one or two more NSDs this month - student sons are drip-feeding me their Xmas lists this year so I seem to be buying bits daily at the moment 😬.#21 Save £12k in 2025 £12577.35/£20000
July NSD Challenge 0/101 -
One 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 = £11,338 Interest saved £5225 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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 14/15
beanielou 26/19
BestnamesRgone 20/20
Caeraugirl 15/20
cathybird 22/15
Geriatricmum 1/15HotDog2020 4/10
Janeryan 2/5
KajiKita 18/20
laura lau 15/18
laurenh1 17/18
leftatthetrafficlights 19/24
LittleMissDetermined 14/18
Makingabobor2 13/15
Nintud 1/6QueenJess 12/15
RisingPhoenix1 15Rupacomp 7/12
SecondStar 22/20
short bird 16/18
Shrewbie 15TizerCat 12/16
winterbear95 5/TF
x raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
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Yes there's a shiny new month just round the corner, any thoughts on targets? ...
December targetsAuntieL 15beanielou 19BestnamesRgoneCaeraugirl 15cathybird 15GeriatricmumHotDog2020 10JaneryanKajiKita 15laura laulaurenhleftatthetrafficlightsLittleMissDeterminedMakingabobor2 15NintudQueenJess 15RisingPhoenix1RupacompSecondStarshort bird 18TizerCatwinterbear95x raphael xx🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
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 -
Day 16 today. Still parky here...‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.1 -
Adding 3 more NSD’s this week.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
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