November NSD challenge
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Nifty November's No-Spend Days Challenge!
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One today. Not remotely tempted by Black Friday.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 -
NSD here - been too busy cleaning here to spend any money! 😂😂
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 -
Another NSD today.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
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Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 16/15
beanielou 27/19
BestnamesRgone 21/20
Caeraugirl 16/20
cathybird 23/15
Geriatricmum 1/15HotDog2020 4/10
Janeryan 2/5
KajiKita 20/20
laura lau 15/18
laurenh1 17/18
leftatthetrafficlights 22/24
LittleMissDetermined 14/18
Makingabobor2 14/15
Nintud 1/6QueenJess 12/15
RisingPhoenix1 15Rupacomp 9/12
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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Me neither but I did have a spendy day because I sent a last-minute present to family back home (it's quite close to the deadline for posting stuff overseas in time for Christmas) - no plans to spend on Black Friday at all!beanielou said:One today. Not remotely tempted by Black Friday.0 -
22/24 for me please 😁 obviously not going to make my target this month but it's not a surprise and not too far off! 😉DNF: £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'2 -
I got a sheep in a skipping rope! 🤩🥳🎉🥰❤️
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 -
1 for me today, thanks 🙂1
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