October 2025 NSD challenge
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Outstanding October's No-Spend Days Challenge!
Comments
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Super going everyone!
Declaring a very early NSD 9/20 Thursday
Maybe a spendy day tomorrow as I need to stock up on a few absolute essentials, but waiting to see if any super deals with extra bonus points arrive in the next few days
~ Totally FREE Christmas 2026~ NSD 2026 - NSD January 0/20 (1)# Spectos/Royal Mail Monitoring and Posting Panel 2026 - Rest# No.36 Make £2026 in 2026 £0 / £2026 (1)# No.12 Save £2 a Day 2026 £0 / £730 (1)# No.2 Save 1p A Day 2026 £0 / £667.95 (1)# No.19 52 Week Env Challenge 2026 £0 / £1378 (1)# No.4 Save £12k in 2026 £0 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £0 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)1 -
One for yesterdayCurrent No Spend Challenge: 11/13
2025 No Spend Days: 158/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Additional 4 days from Sunday to yesterday for me.
Challenges
NSD - Dec 9/10
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £42,801.82/£38,000
Mortgage @ Jan 2025 £75,600-Current bal £29,851.26 Target MF - Jun 26, 187 days away.
2026 Challenges
NSD - January
1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,851.26
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - Current balance £1,029.22
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
1 -
Early call for Thursday, day 6.‘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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 8/18
beanielou 8/19
Caeraugirl 10cathybird 6/15
Changeyourlife25 2/10
Crazybee787 6/12
Crazycatlady2 15Dizzycap 9/20
doingitanyway 4/12
Doris17 3/15
Emmel 12InDebtEnby 7/13
KajiKita 7/20
laurenh1 6/18
LittleMissDetermined 6/18
Pinkpieuni 6/10
Prodigal50 10Quantaqa 15QueenJess 3/15
short bird 6/18
Tenar15 10VickyA 2 3/15
To see the updated results for October on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞0 -
NSD Thursday here 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 80 books of target 52 in 2025, as @ 25th December
Produce tracker: £457 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 fish and chipsXX1
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Another one for meCurrent No Spend Challenge: 11/13
2025 No Spend Days: 158/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
It's a spendy day Friday here remaining at 9/20 - Great money off deals with extra loyalty bonus points of £4.50, so grabbing my essential shopping now as those points/pounds will come in very handy for my Totally Free Christmas, which is well on track
~ Totally FREE Christmas 2026~ NSD 2026 - NSD January 0/20 (1)# Spectos/Royal Mail Monitoring and Posting Panel 2026 - Rest# No.36 Make £2026 in 2026 £0 / £2026 (1)# No.12 Save £2 a Day 2026 £0 / £730 (1)# No.2 Save 1p A Day 2026 £0 / £667.95 (1)# No.19 52 Week Env Challenge 2026 £0 / £1378 (1)# No.4 Save £12k in 2026 £0 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £0 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)2 -
NSD Thursday 😁 Not today though as I’m meeting a friend for lunchDebt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £93,038.66 (10years 5months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = /£10001
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