December NSD challenge
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Dazzling December's No-Spend Days Challenge!
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NSD Monday 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 39 books of target 52 in 2025, as @ 27th July
Produce tracker: £227 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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 15beanielou 14/19
BestnamesRgone 12/15
Caeraugirl 5/15
cathybird 12/15
Doris17 9/12
HotDog2020 6/10
Janeryan 3/10
KajiKita 14/15
laura lau 7/15
laurenh1 9/15
leftatthetrafficlights 16/24
lilian1977 5/7
LittleMissDetermined 10/16
Makingabobor2 6/15
Nintud 1/15
QueenJess 8/15
RupacompSecondStar 11/15
short bird 11/18
🌞 🌞 Everyone welcome to join! 🌞 🌞2 -
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NSD 5 yesterday. £1 spent from Christmas savings.
Need to post my cards etc today so won't be NSD but will steer clear of the shops to minimise spending.My debt free diary | Post Office loan: £2131 1429.38 | Barclaycard: £4429 1988.12 | Paypal Credit £322.71 574.91 | Monzo Flex £169.03 |
Total £4151.44 | £2900.30 of £7051.74 paid off since diary started October 2024.1 -
Declaring early at 16/24 - yesterday was a very spendy day as I did all the shopping for solstice, just a bit of veg to get on Thursday but that will only be what I would buy anyway as most of the solstice veg will be from the garden and freezerDNF: £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 -
Today will be a NSD, however my DD returns home from uni tomorrow so am anticipating a couple of spendy days this week.1
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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 -
One for yesterday please CB x1
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Friday, Saturday and Sunday were NSD's and today will be another so that's 4 for a total of 11. Definitely assisted by my credit card being hacked - although I now have a new card and pin number, I haven't activated that yet. No idea how it happened, my credit card rarely leaves the flat and I only pay for things via my PC which doesn't use wireless internet. I'm sure someone can come up with an explanation once they've reinstated my account and I can view statements.
(That's why I haven't reported over the last few days - sick to the back teeth of clearing cookies, resetting passwords and typing in codes.)‘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 -
NSD for me today 9/12.
"Make Everyday Count"1
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