October 2025 NSD challenge
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Outstanding October's No-Spend Days Challenge!
Comments
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One for today. X1
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One today. Having a much needed hurdle durdle day.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 -
Ooh exciting anywhere good?KajiKita said:Won’t be today - off out on an adventure 😊
KKGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.2 -
Not today, supermarket splurge!Goal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.1 -
Hello! Another 3 NSDs to report, so I'm now up to 13/15. Quite pleased with that as it was a tricky start to the month.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 #18 £2021.83 declared1
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Catching up with a remote friend at Lacock Abbey (she drove two hours, I drove 90 minutes). It was a lovely day 😊❤️CrazyBee787 said:
Ooh exciting anywhere good?KajiKita said:Won’t be today - off out on an adventure 😊
KK
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.3 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 14/18
beanielou 25/19
Caeraugirl 10cathybird 16/15
Changeyourlife25 2/10
Crazybee787 14/12
Dizzycap 24/20
doingitanyway 7/12
Doris17 3/15
Emmel 12InDebtEnby 18/13
KajiKita 20/20
laurenh1 16/18
LittleMissDetermined 17/18
Pinkpieuni 13/10
Prodigal50 10Quantaqa 15QueenJess 9/15
short bird 12/18
Tenar15 10VickyA 2 13/15
To see the updated results for October on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Declaring early for today! Only purchase needed is cat food and I’m counting that as an essential! 😉
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 -
It's an early call for a 24/20 NSD Slob out Sunday
Far too cold to go out! 
~ 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 -
Early call for today xx1
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