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Nifty November's No-Spend Days Challenge!

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  • Today will be a NSD, no plans other than work and a bit of pottering in the garden 
  • 3 NSDs so far, I’ll be setting a goal of 20 for November :)
    ‘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 - £600 / £2,400
  • cathybird
    cathybird Posts: 15,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 4 November 2024 at 10:28PM
    November NSD challenge


    Off to a start = image

    5 days = image

    10 days = image

    15 days = image

    20 days = image

    Target reached = image

    Target beaten = image 


    November targets


    AuntieL 2/15  image


    beanielou 4/19  image


    BestnamesRgone 3/20  image


    Caeraugirl 20 


    cathybird 3/15  image


    Crazycatlady2  


    Doris17  


    GeorgianaCavendish  


    Geriatricmum  


    Honeysucklelou2  


    HotDog2020  


    KajiKita 3/20  image


    laura lau 3/18  image


    laurenh1 3/18   image


    leftatthetrafficlights 4/24  image


    LittleMissDetermined 2/18  image


    Makingabobor2 2/15  image


    Nintud 1/6  image


    QueenJess 1/15  image


    RisingPhoenix1 15 


    Rupacomp 1/12  image


    SecondStar 3/20  image


    short bird 3/18   image


    Shrewbie 15 


    TizerCat 2/16  image


    winterbear95 2/TF  image


    x raphael xx 25 





    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • cathybird
    cathybird Posts: 15,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 4 November 2024 at 4:24PM
    Am I too late to join please?
    NSD for both yesterday and today 
    hurrah 🎉 
    hi @winterbear95 and welcome to our lovely thread! Definitely not too late I've added you to the list, best of luck with the challenge! Did you want to set a target for November? I've put you down for the moment as TF (target free), but let me know what you would like to aim for
  • cathybird
    cathybird Posts: 15,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    November results updated here :):)
  • laura_lau
    laura_lau Posts: 682 Forumite
    Seventh Anniversary 500 Posts Photogenic Name Dropper
    NSD today, but not yesterday as I had to buy some cleaning products, and while I was at it I also ordered a silicon tray to put under the dehumidifier to protect the new wooden floor from accidental spillages.
    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 43.5/66
  • short_bird
    short_bird Posts: 4,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Declaring day 3: need to pop out to get some gluten free snacks to pack for the next 3 days but that's from the food budget.
    ‘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.
  • Well I am pleased to be able to declare another NSD today. I thought I'de end up spending as went looking for a coat, but couldn't find anything suitable, so the money stayed in my purse. DH came with me and treated to a cup of coffee, so I didn't spend a penny. 
    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
    .
    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-up


  • KajiKita
    KajiKita Posts: 7,649 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD here 😊 Had to pay for parking but as that came from loose change and was so I could go for physio I’m not counting it 😊

    KK
    As 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. 
  • AuntieL
    AuntieL Posts: 370 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
     NSD Monday 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    June 2025 NSD Challenge 1/18

    MFW 2025 #45
    Jan 2016 Mortgage = £149,895
    Current outstanding = £97,725
    2024 Overpayment = £675.66
    2025 Overpayment = £529/£700
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