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! 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/£60002 -
NSD here 😊
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 = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 36 books of target 52 in 2025, as @ 19th July
Produce tracker: £223 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 -
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!2025 decluttering: 3,491🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 292🥉🥈🥇💎🏆
Big kitchen declutter challenge 83/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5000 -
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Eyebrows done yesterday so no nsd but not spending anything today so 5/24 please 😁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'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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Declaring a NSD early today.
2025 decluttering: 3,491🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 292🥉🥈🥇💎🏆
Big kitchen declutter challenge 83/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001 -
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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