March 2025 NSD challenge
We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Marvellous March's No-Spend Days Challenge!
Comments
-
Funnily enough my lodger is 21 this year too!CrazyBee787 said:Not today, I have bought presents not budegeted for...21st Lodger present and MD for Mothers day...bit expensive and not quite what I had hoped getting.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.2 -
Not 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 -
Achieved one today now 14/15. Happy Friday 🥳Lightbulb moment - 17/08/2017 £17,033. DFD 31/7/24 🥳.Round 2 - 8/12/25 £3,6601
-
What a coincidink! Thanks for sharingXXbeanielou said:
Funnily enough my lodger is 21 this year too!CrazyBee787 said:Not today, I have bought presents not budegeted for...21st Lodger present and MD for Mothers day...bit expensive and not quite what I had hoped getting.Goal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 6/15
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 2.3K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one? Do I?2 -
Declaring another NSD today.2026 decluttering: 319 🤑🥉 ⭐️🥈🥇
2026 use up challenge: 109🥉 ⭐️🥈🥇
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆3001 -
'Nother NSD 😁
Can I ask, those of you with lodgers, how independent/part of the family are they? Do you cook for them etc etc? (It's just I've wondered about becoming a lodger - but I don't know how I could get on with other people. Pros and Cons.)Toodle-pip :hello:2 -
I have had three different types of lodger only one I am happy with. The first lodger felt at home and made himself the king of the household, to the point that he entered my room at night unannounced...Needless to say he left not long after.Jay1_2 said:'Nother NSD 😁
Can I ask, those of you with lodgers, how independent/part of the family are they? Do you cook for them etc etc? (It's just I've wondered about becoming a lodger - but I don't know how I could get on with other people. Pros and Cons.)
The second lodger was quite rude to me but kept himself to himself mostly.
The third lodger is young and lovelly we make our own food and chat now and again, I tend to do all the housework on all three occasions, which doesn't bother me too much, but would be nice if they chipped in as a lot of the time there are times when it is there mess! But I try not to pick up on this too much!
I guess it is three times the charm!Goal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 6/15
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 2.3K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one? Do I?2 -
NSD here 😊
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 7 books of target 52 in 2026 as @ 23rd 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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
March targetsAuntieL 12/18
BadBookkeeper 14/15
beanielou 20/19
Caeraugirl 11/20
Cassingtonbear 3/10cathybird 2/TFCrazybee787 11/19
cuddlymarm 8/15
Dizzycap 20/20
Doris17 4/15ET22 15/20
Honeysucklelou2 2/10InDebtEnby 8/15
Jay1 2 13/12
KajiKita 14/20
kleverklogs 5laura lau 9/20
laurenh1 13/18
LittleMissDetermined 13/16
Louise600 3/10
Makingabobor2 15Money Choices 4/10
Moneycraver05 9/10
Optimistic Saver 14/22
Pinkpieuni 11/10
QueenJess 17/15
Saver-upper 15SecondStar 5/15
short bird 12/18
Thriftymissus 19/16
To see the updated results for March on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞3 -
Good morning NSDers
Today is a Spend Day - Sadly, I've had to undertake an emergency life threatening treatment spend even though I always budget for such emergencies & I will get repaid most of the spend back, a spend is a spend, no matter how small. I will also have the 2nd part of the emergency op spend on Wednesday, so that to will also be a spend day, but I will log that on Wednesday.Wishing everyone a Satisfying NSD Saturday# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £2454.88 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £30 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge 2026 £25/£230 (1)# Make £2026 in 2026 £834.42 / £2026 (1)2
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.3K Banking & Borrowing
- 254K Reduce Debt & Boost Income
- 454.9K Spending & Discounts
- 246.3K Work, Benefits & Business
- 602.5K Mortgages, Homes & Bills
- 177.9K Life & Family
- 260.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards