November NSD challenge
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Nifty November's No-Spend Days Challenge!
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Another NSD for me today.
I am very pleased with myself I stopped myself from buying anything today :-)
Today was more difficult. I'm tired and it sets off my ADHD. My usual dopamine fix is to spend online or eat but I'm trying to avoid both. I couldn't even settle on a You Tube channel to distract me whilst working. I need to ensure I don't get too tired so my lurking on here and eBay selling will have to be drastically reduced on a school night.
Debt at LBM 2010 £40,640.17. Debt Free 2017 Debt 2023 £24k I didn't learn! Debt now £7,600. NEW Goal Debt free by 20272 -
NSD here 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Not one for me today, but back in the saddle tomorrow.
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 3/15beanielou 6/19
BestnamesRgone 5/20
Caeraugirl 20cathybird 4/15Crazycatlady2Doris17GeorgianaCavendishGeriatricmumHoneysucklelou2HotDog2020KajiKita 4/20laura lau 3/18laurenh1 3/18leftatthetrafficlights 5/24
LittleMissDetermined 2/18Makingabobor2 2/15Nintud 1/6QueenJess 3/15RisingPhoenix1 15Rupacomp 1/12SecondStar 3/20short bird 3/18Shrewbie 15TizerCat 4/16winterbear95 3/TFx raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
Not one today - lots of expenses: 2x gifts for a joint birthday party DD is going to, DD nursery photo paid for that’s really lovely and a workshop for DS in the Xmas holidays. Hoping for a NSD tomorrow after all that!2026 decluttering: 1,145 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 324🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0000 -
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Eyebrows done yesterday so no nsd but not spending anything today so 5/24 please 😁'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £1471.53/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £1471.53/£6700
'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 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Declaring a NSD early today.
2026 decluttering: 1,145 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 324🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0001 -
NSD for me today. Will be doing olio this evening so hopefully a couple of nice bits of food to supplement the fridge/freezer.1
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