September 2025 NSD challenge
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Splendid September's No-Spend Days Challenge!
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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 -
Not one today.. invested in some £2 thermal leggings second hand for the winter. Should be MSE as I won't need the heating on as much when working from home!2025 decluttering: 5,050 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 362🥉🥈🥇💎🏆Mini freezer challenge +4/-20Big kitchen declutter challenge 120/1502025 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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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
September targetsAfdaff 10AuntieL 4/18
beanielou 7/19
Caeraugirl 10cathybird 3/15
Changeyourlife25 2/10
Crazybee787 4/19
Crazycatlady2 15Dizzycap 6/20
Doris17 15Emmel 12InDebtEnby 4/13
KajiKita 4/20
laurenh1 3/18
LittleMissDetermined 4/15
Pinkpieuni 3/10
Prodigal50 1/10
Quantaqa 15QueenJess 4/15
Scrumpy18 10short bird 5/18
Tenar15 3/10
thepurplepixie 15Thriftymissus 24VickyA 2 1/15
To see the updated results for September on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
4/19 Please @cathybird Thank you - I was treated to lunch by MD and it has been a lovely weekend so far, wishing the same for you allXXMission Number One: Get a job!
Mission Number Two: Get a lodger!
Mission Number Three: Clear debt, starting balance: £1997.17, balance now: £1800.00
Mission Number Four: Keep Job!
Once accomplished all four missions come back and start new missions!2 -
NSD Saturday 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,980.28
2024 Overpayment = £675.66
2025 Overpayment = £622/£7001 -
Not one yesterday or today - away visiting family, so there are all kinds of inevitable spending 🤷♀️😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2025, as @ 13th September
Produce tracker: £385 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 -
Day 5, thanks!‘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.1 -
It's a 6/20 NSD Sunday!
I didn't have time to report my NSD Saturday, so there's 2 in 1 today cathybird 
Thanks for keeping the NSD thread updated xxxx~ NSD 2025 - NSD September 12/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing - 1 x £25 Voucher Redeemed, 24 FREE Books of RM Stamps & Presentation Packs.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £635.80 / £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 £16,543.30 / £12,000 💯 (8) - Continuing (-30p)1 -
It's one for me today 😊
LMD xLife 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 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28272 -
One today. That’s a full week. Pleased with that.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
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