November NSD challenge
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Nifty November's No-Spend Days Challenge!
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Unexpected 3rd for me today please as OH hasn't asked for the weekly food money yet :-)Debt at LBM 2010 £40,640.17. Debt Free 2017 Debt 2023 £24k I didn't learn! NEW Goal Debt and Mortgage Free Jan 2025.
Debt Free Diaries - TizerCat learns to stay debt free
November NSD Challenge 12/16
6 months emergency fund challenge £500/£60001 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 3/15beanielou 5/19
BestnamesRgone 4/20Caeraugirl 20cathybird 4/15Crazycatlady2Doris17GeorgianaCavendishGeriatricmumHoneysucklelou2HotDog2020KajiKita 3/20laura lau 3/18laurenh1 3/18leftatthetrafficlights 4/24LittleMissDetermined 2/18Makingabobor2 2/15Nintud 1/6QueenJess 2/15RisingPhoenix1 15Rupacomp 1/12SecondStar 3/20short bird 3/18Shrewbie 15TizerCat 3/16winterbear95 3/TFx raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞0 -
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Another NSD for me today.2025 decluttering: 5,256 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 406🥉🥈🥇💎🏆Big kitchen declutter challenge 137/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002
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Not totally sure what I’m doing in this thread tbh
I mean what target to set myself, I’m new to this forum
Monday was another NSD
but today I need to buy milk, bread, and nachos to go with chilli and jacket potatoes for dinner tonight4 -
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.3 -
Today will be a NSD 🙂3
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Hi Winterbear and welcome 🤗winterbear95 said:Not totally sure what I’m doing in this thread tbh
I mean what target to set myself, I’m new to this forum
Monday was another NSD
but today I need to buy milk, bread, and nachos to go with chilli and jacket potatoes for dinner tonight
Typically, things like groceries, fuel and medication don’t count as ‘spends’ as they are usually deemed essential.What brought you here in the first place? 😊
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.3 -
@winterbear95 those are basic groceries so they are one of the things that can be excluded. In other words, if that's all you spent today, it's still an NSD. Also don't worry about setting a target, it's fine if you want to see how you go! xxwinterbear95 said:Not totally sure what I’m doing in this thread tbh
I mean what target to set myself, I’m new to this forum
Monday was another NSD
but today I need to buy milk, bread, and nachos to go with chilli and jacket potatoes for dinner tonight3 -
NSD for me today 😁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/£7002
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