September 2025 NSD challenge
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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

# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1934.27 / £2026 (4)1 -
Another nsd today.
Challenges
NSD - April - 12/10
1. 2026 Mortgage-Free Wannabes #61 £14,031.82/£29,000, MF target May 2026, current mortgage balance - £14,582.78
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £106/£1,378 -( 1/52)
4. EF - £842
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NSD Friday here 😊
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.1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
September targetsAfdaff 10AuntieL 15/18
beanielou 25/19
Caeraugirl 10cathybird 20/15
Changeyourlife25 5/10
Crazybee787 11/19
Crazycatlady2 15Dizzycap 24/20
Doris17 15Emmel 12InDebtEnby 12/13
KajiKita 21/20
laurenh1 17/18
LittleMissDetermined 16/15
Pinkpieuni 16/10
Prodigal50 8/10
Quantaqa 15QueenJess 18/15
Scrumpy18 10short bird 17/18
Tenar15 9/10
thepurplepixie 15Thriftymissus 24VickyA 2 14/15
To see the updated results for September on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
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# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1934.27 / £2026 (4)1
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Declaring a NSD yesterday and another one for today.2026 decluttering: 1,120 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 317🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0001 -
Not sure about toda9y. Bought some tights to replace my tights which laddered but other than that nothing being spent
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.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? 
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1934.27 / £2026 (4)1
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