November NSD challenge
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Nifty November's No-Spend Days Challenge!
Comments
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Today will be a NSD, no plans other than work and a bit of pottering in the garden1
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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 / £2,4001 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 2/15beanielou 4/19BestnamesRgone 3/20Caeraugirl 20cathybird 3/15Crazycatlady2Doris17GeorgianaCavendishGeriatricmumHoneysucklelou2HotDog2020KajiKita 3/20laura lau 3/18laurenh1 3/18leftatthetrafficlights 4/24LittleMissDetermined 2/18Makingabobor2 2/15Nintud 1/6QueenJess 1/15RisingPhoenix1 15Rupacomp 1/12SecondStar 3/20short bird 3/18Shrewbie 15TizerCat 2/16winterbear95 2/TFx raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
winterbear95 said: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
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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 43.5/662 -
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.1 -
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 £28,524....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £590/£3000
.
Studies/surveys August £32.11
Decluttering items 936
Books read 16
Jigsaws done 9
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
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 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 46 books of target 52 in 2025, as @ 28th August
Produce tracker: £353 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 -
NSD Monday 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7002
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