September 2025 NSD challenge
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Splendid September's No-Spend Days Challenge!
Comments
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Day 12, not even online spending; I can usually find something to buy but not this week.‘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 -
Declaring a NSD for today.2025 decluttering: 5,256 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 406🥉🥈🥇💎🏆Big kitchen declutter challenge 137/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001
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10/19 Please @cathybird thank you, today was very much earned I have tried my best all day to avoid going out and getting junk - twas hard!Missions: -
1) Build up an emergency fund (EF) £2000/£3500 By end of 2025!
2) Pay off Mortgage Starting £58000 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.1 -
NSD Monday here 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Not 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 -
NSD here!
And loads of Vinted sales happening. I almost feel as though I'm quids in (but feel sick at how much I must have spent over the years which I didn't need to).Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 declared1 -
No spend for me todayJan 2022
Owed approx 70,000 in consumer debt
Dec 2024/August 2025
Loan 1 4750/0
Loan 2 10690/0
Card 1 10764/7578
Card 2 5674/4230
Card 3 5158/0
Total 37036/11803
Emergency Fund 0/2000
2022 Over 70k debt. Time to change!
2022-25 Paying off debt.
2025 Cash lump sum used to pay down debt quicker than hoped.
2025+???? Stay happy and in control of my finances1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
September targetsAfdaff 10AuntieL 10/18
beanielou 13/19
Caeraugirl 10cathybird 11/15
Changeyourlife25 2/10
Crazybee787 10/19
Crazycatlady2 15Dizzycap 14/20
Doris17 15Emmel 12InDebtEnby 6/13
KajiKita 11/20
laurenh1 9/18
LittleMissDetermined 10/15
Pinkpieuni 10/10
Prodigal50 4/10
Quantaqa 15QueenJess 10/15
Scrumpy18 10short bird 12/18
Tenar15 5/10
thepurplepixie 15Thriftymissus 24VickyA 2 8/15
To see the updated results for September on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
@CrazyBee787 well done xxCrazyBee787 said:10/19 Please @cathybird thank you, today was very much earned I have tried my best all day to avoid going out and getting junk - twas hard! 1 -
Sorry, I've been rubbish at posting but I am now on 10 NSD'sLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £31070
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