December NSD challenge
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Dazzling December's No-Spend Days Challenge!
Comments
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D'oh! Yep, day 13!cathybird said:@short_bird you posted that it was day 12 on the 19th Dec, so that would put you on 13 today - just checking? xx
‘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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 15beanielou 18/19
BestnamesRgone 15/15
Caeraugirl 9/15
cathybird 16/15
Doris17 10/12
HotDog2020 11/10
Janeryan 3/10
KajiKita 19/15
laura lau 7/15
laurenh1 14/15
leftatthetrafficlights 18/24
lilian1977 8/7
LittleMissDetermined 15/16
Makingabobor2 8/15
Nintud 2/15
QueenJess 10/15
RupacompSecondStar 11/15
short bird 14/18
🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
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Declaring a NSD early today; no time to spend as I am happily baking all day 2026 decluttering: 96 🤑🥉 ⭐️
2026 use up challenge: 34🥉 ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 I 🥉25 🥈50 🥇100 💎1501 -
Day 14: will go and collect my new boots, they're already paid for, but don't need anything else.
‘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 -
Another one here please x2
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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 -
I’ve been completely remiss with my NSDs this month 🤦♀️ Will start fresh again in January 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 5/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £92,396.89 (10years 4months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £44.43/ £10001 -
One today thanks1
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Not today 😊
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
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