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Splendid September's No-Spend Days Challenge!
Comments
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A NSD 24/20 Friday here!It will be a small spendy day tomorrow; which I'll be counting as a spendy, as I am in need of my hanyman to do a few jobs outside before the weather really turns~ NSD 2025 - NSD October 18/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1278.68 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £20,075.12 / £12,000 💯 (8) - Continuing1
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Another nsd today.
Challenges
NSD - Oct 12/10
Pay off all your debts by Christmas 2025 #7 £6,500/£6,500 - All gone, paid off.
52 Week Envelope Saving Challenge #7 £1,378/£1,378 -(52/52)
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £27,324.59/£38,000
Mortgage - Jan 2025 £75,600-Current bal £46,226.10 Target MF (Jun 26) 256 days.
Loan - Jan 2025 £4,095 - Current balance £1,799.89
"Look after the pennies and the pounds will look after themselves"
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NSD Friday 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 -
September 2025 NSD challengeOff to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =September targetsAfdaff 10AuntieL 15/18beanielou 25/19Caeraugirl 10cathybird 20/15Changeyourlife25 5/10Crazybee787 11/19Crazycatlady2 15Dizzycap 24/20Doris17 15Emmel 12InDebtEnby 12/13KajiKita 21/20laurenh1 17/18LittleMissDetermined 16/15Pinkpieuni 16/10Prodigal50 8/10Quantaqa 15QueenJess 18/15Scrumpy18 10short bird 17/18Tenar15 9/10thepurplepixie 15Thriftymissus 24VickyA 2 14/15To see the updated results for September on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞2
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Yes there's a shiny new month just round the corner, any thoughts on targets? ...
(I've listed the same targets as this month but pls say if you'd like to aim for something different!)
October targetsAuntieL 18beanielou 19Caeraugirl 10cathybird 15Changeyourlife25 10CrazyBee787 19Crazycatlady2 15Dizzycap 20Doris17 15Emmel 12InDebtEnby 13KajiKita 20laurenh1 18LittleMissDetermined 15Pinkpieuni 10Prodigal50 10QueenJess 15short bird 18Thriftymissus 24VickyA 2 15🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
@cathybird - I'm happy with the usual 20 for October, thank you:-) And thank you for keeping the thread updated & coming up with fabulous emoji each month xxxxxx~ NSD 2025 - NSD October 18/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1278.68 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £20,075.12 / £12,000 💯 (8) - Continuing1
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Declaring a NSD yesterday and another one 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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Not sure about toda9y. Bought some tights to replace my tights which laddered but other than that nothing being spent1
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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 -
Today, as expected, is a spendy day as my handyman came to help with Winter prep jobs outside, so I'll be staying on 24/20, but back to the NSD's tomorrow - Not that we have many left for September!
Where did this month go?
~ NSD 2025 - NSD October 18/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1278.68 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £20,075.12 / £12,000 💯 (8) - Continuing1
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