December NSD challenge
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Dazzling December's No-Spend Days Challenge!
Comments
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Hello December! Can I list my target as 15, please
‘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.
Frugal living in 2026.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
6 month Emergency Fund: £5,768 / £8,000
Nationwide 1 year 6.5% Savings - £1,600 / £2,2001 -
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 -
Off to a flying start with NSD 1.
Thanks for running the thread again.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,424....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1150/£3000
.
Studies/surveys January £65.85
Decluttering items 1402/2025. 67/2026
Books read 23 in 2025. 2026- 3 (target is 52)
Jigsaws done 20 in 2025. 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
15 for me please. Today should have been a NSD, but I’ve had to book a last minute flight for mid-week to visit ill Dad. Will probably be Tuesday when I get my first NSD, we’re using the emergency UHT milk, and that will be gone after my morning coffee.MBNA 430/14000
Santander 435/10550
Nationwide 0/497
Santander OD 0/2900
Nationwide OD 21/100
Mortgage
NSD Jan/6
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What matters is how we live and love and how we spend our dash. (L Ellis)1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 15beanielou 1/19BestnamesRgone 1/15Caeraugirl 15cathybird 1/15Doris17 1/12GeriatricmumHotDog2020 1/10JaneryanKajiKita 1/15laura lau 15laurenh1 2/15leftatthetrafficlights 1/24LittleMissDeterminedMakingabobor2 1/15Nintud 15QueenJess 15RisingPhoenix1RupacompSecondStar 15short bird 1/18TizerCatwinterbear95 5/TFx raphael xx🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
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Day 1: some folks very kindly bought my lunch.‘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.0 -
Good morning! Can I aim for 16 in December please?
I already have 2 from yesterday and today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60000 -
Forgot to bookmark this thread! Here now 😊
One for yesterday but not sure about today yet ….
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 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 -
another one for today please CB x1
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