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Outstanding October's No-Spend Days Challenge!
Comments
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NSD Wednesday 😁Debt-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 -
Afternoon all! got booted out of my account AGAIN and didn't have the urge to solve it, too many other tiny bits of adulting to resolve. And it's too blooming cold.
Since I was last in on 19th, have managed another 8 days bringing me to 20
‘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 -
@short_bird that sounds very frustrating - did MSE say why it happened? xx
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October 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 18/18
beanielou 29/19
Caeraugirl 10cathybird 19/15
Changeyourlife25 2/10
Crazybee787 15/12
Dizzycap 26/20
doingitanyway 7/12
Doris17 3/15
Emmel 12InDebtEnby 19/13
KajiKita 22/20
laurenh1 16/18
LittleMissDetermined 20/18
Pinkpieuni 15/10
Prodigal50 10Quantaqa 15QueenJess 9/15
short bird 20/18
Tenar15 10VickyA 2 13/15
To see the updated results for October on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
November targetsAuntieL 18beanielou 19Caeraugirl 10cathybird 15Changeyourlife25 10CrazyBee787 12Crazycatlady2 15Dizzycap 15doingitanyway 12Doris17 15Emmel 12InDebtEnby 13KajiKita 20laurenh1 18LittleMissDetermined 12Pinkpieuni 10Prodigal50 10Quantaqa 15QueenJess 15short bird 18Tenar15 10VickyA 2 15🌞 🌞 Everyone welcome to join! 🌞 🌞1
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I didn't ask them to be honest: with the Internet outages and the rest, I figured all sorts of oddities might be happening and I could wander in, read the last few pages and not post till I had opportunity to sort a new password.cathybird said:@short_bird that sounds very frustrating - did MSE say why it happened? xx
‘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 -
Nsd yesterday and today.
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)
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CrazyBee787 said:Does anyone know what the cat is doing?
Is the cat in love with a bat?
Does he have a bat tie?
Is it a bat that flashes?
@ CrazyBee787 - The cat is sending you a big love hug for beating your monthly NSD target
xxI started my NSD's on 10 NSDs each month and then increased slowly once I got organised with tying in spends together in a single day rather than random!
It's a NSD again for me, but I thought I'd stop declaring NSD until November
~ 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 -
Love it XXDizzycap said:
The cat is sending you a big love hug for beating your monthly NSD targetCrazyBee787 said:Does anyone know what the cat is doing?
Is the cat in love with a bat?
Does he have a bat tie?
Is it a bat that flashes?
xx2 -
Not today @cathybird I didn't plan take out but I spontaneously offered it to the lodger as a gesture of goodwill. It was enjoyed, so not the worse use of money. XX1
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