May 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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Magnificent May's No-Spend Days Challenge!
Comments
-
Not sure - only spend was at the vets for Madame Cat - is that medical? 🤔
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 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.2 -
One today please
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 £4685/£60001 -
I would hazard a guess that was essential. Lets see what @cathybird says. I hope your Cat is okay.KajiKita said:Not sure - only spend was at the vets for Madame Cat - is that medical? 🤔
KK3 -
Absolutely essential.KajiKita said:Not sure - only spend was at the vets for Madame Cat - is that medical? 🤔
KKI 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.3 -
Awww … thanks for asking 😊CrazyBee787 said:
I would hazard a guess that was essential. Let’s see what @cathybird says. I hope your Cat is okay.KajiKita said:Not sure - only spend was at the vets for Madame Cat - is that medical? 🤔
KK
Shes fine. It was her final check up after surgery following being ‘tapped’ by a car and her second set of vaccinations so she’s all done for the next year … I hope! 😉
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 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.3 -
Ahh, bless the poor little mite. Sounds like she is recovering beautifully - Good to hearXXKajiKita said:
Awww … thanks for asking 😊CrazyBee787 said:
I would hazard a guess that was essential. Let’s see what @cathybird says. I hope your Cat is okay.KajiKita said:Not sure - only spend was at the vets for Madame Cat - is that medical? 🤔
KK
Shes fine. It was her final check up after surgery following being ‘tapped’ by a car and her second set of vaccinations so she’s all done for the next year … I hope! 😉
KK1 -
I tend to make vet days spend days and group together other spends the same day, but considered on its own I agree it's an essential so I think an NSD. I'm happy to hear she's OK too!
3 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
May targetsAuntieL 13/18
BadBookkeeper 12/15
beanielou 22/19
birdsfoottrefoil 2/10
Caeraugirl 5/20
cathybird 15/15
Crazybee787 13/19
Crazycatlady2 13/15
cuddlymarm 13/15
Dizzycap 9/20
doingitanyway 10Doris17 4/15
ET22 2/10
InDebtEnby 12/10
Jay1 2 10/14
KajiKita 17/20
laura lau 20laurenh1 5/15
library0602 4/10
LittleMissDetermined 17/15
Louise600 10Money Choices 10Optimistic Saver 15/20
Pinkpieuni 14/10
Quantaqa 10/10
QueenJess 15/15
SecondStar 5/15
short bird 15/18
thepurplepixie 10/15
Thriftymissus 16/TF
viczs123 10To see the updated results for May on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞2 -
15/20 NSDs with today’s, please, @cathybird. Thanks so much!
March 26:
MBNA 6,130 - 0% Feb 28
HAL 10,125.91 - 0% Jul 27
BL 320 - Ends Jul 26
Total: 16,575.91 less 7,000 Marcus savings = 9,575.91
⬇️ to pay down by Oct 27
NSD March 15/22
Make 2026 in 2026:
173.01/2,026
Vinted, YouGov, Bank Int & Fairer Share, Prolific, Quidco, Cheddar & SnapMyEats
Savings accounts:
Co-op 273.01/3,000
Principality 600/1,200
FD 2,000/2,000
Santander Saver 400/2,400
Lloyds 800/4,800
Cahoot 50/3,000
Invest 349.93
🏆 ⬆️ Total: £4,472.94
Mortgage: £54,048.732 -
Good morning.Number 16 for me today.2
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards