November NSD challenge
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!
Nifty November's No-Spend Days Challenge!
Comments
-
Can I put 15 days down for January @cathybird please?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 -
21/24 for me please 😁
Can I have 24 for December please?'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:
JSF: £0/£2000
'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 -
Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =November targetsAuntieL 16/15beanielou 26/19BestnamesRgone 20/20Caeraugirl 16/20cathybird 23/15Geriatricmum 1/15HotDog2020 4/10Janeryan 2/5KajiKita 19/20laura lau 15/18laurenh1 17/18leftatthetrafficlights 21/24LittleMissDetermined 14/18Makingabobor2 13/15Nintud 1/6QueenJess 12/15RisingPhoenix1 15Rupacomp 9/12SecondStar 22/20short bird 16/18Shrewbie 15TizerCat 12/16winterbear95 5/TFx raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞1
-
1
-
Yes there's a shiny new month just round the corner, any thoughts on targets? ...December targetsAuntieL 15beanielou 19BestnamesRgone 15Caeraugirl 15cathybird 15GeriatricmumHotDog2020 10JaneryanKajiKita 15laura lau 15laurenhleftatthetrafficlights 24LittleMissDeterminedMakingabobor2 15NintudQueenJess 15RisingPhoenix1RupacompSecondStarshort bird 18TizerCatwinterbear95x raphael xx🌞 🌞 Everyone welcome to join! 🌞 🌞0
-
Bagged another one today, taking me up to 16/20.#21 Save £12k in 2025 £19277.35/£200001
-
not not one today as bought a few unbudgeted Xmas bits….Will have to set a lower December target I think… will try for 15, thanks cb 🙏0
-
NSD Thursday here 😊 Had to pay to post a letter but paid from coins in my purse.KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Declaring NSD for yesterday and today. Did have a spend yesterday as my dog had his yearly checkup/ boosters at the vet but I’d class this as essential and I’d budgeted for it.Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
2 NSDs to reportSavings goal by 31/12/24: £22000
Dec 23: £6945.231
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards