We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

Outstanding October's No-Spend Days Challenge!

Comments

AuntieL Posts: 458 Forumite

2 October at 6:26PM

NSD Wednesday 😁

Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15

MFW 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 = /£1000
1
KajiKita Posts: 9,045 Forumite

2 October at 6:42PM

NSD here 😊

KK

As 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.
2
Doris17 Posts: 962 Forumite

2 October at 6:52PM

NSD for me 2/15.

"My Life Is About The Journey Not The Destination"

2
cathybird Posts: 16,046 Forumite

2 October at 8:14PM edited 3 October at 9:42PM

October 2025 NSD challenge

Off to a start =

5 days =

10 days =

15 days =

20 days =

Target reached =

Target beaten =

October targets

AuntieL 3/18

beanielou 2/19

Caeraugirl 10

cathybird 2/15

Changeyourlife25 10

Crazybee787 2/12

Crazycatlady2 15

Dizzycap 3/20

doingitanyway 2/12

Doris17 2/15

Emmel 12

InDebtEnby 2/13

KajiKita 2/20

laurenh1 18

LittleMissDetermined 2/18

Pinkpieuni 2/10

Prodigal50 10

Quantaqa 15

QueenJess 2/15

short bird 18

Tenar15 10

VickyA 2 15

To see the updated results for October on phone or tablet, click here

🌞 🌞 Newcomers welcome! 🌞 🌞

2
Dizzycap Posts: 1,391 Forumite

3 October at 1:45AM

Hi folks:-)
Declaring 3/20 NSDs for October Hectic at the moment & issues with tying to post on MSE

~ 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
InDebtEnby Posts: 230 Forumite

3 October at 7:56AM

2nd one for me

Current No Spend Challenge: 11/13
2025 No Spend Days: 158/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/2030
1
beanielou Posts: 97,501 Ambassador

3 October at 9:07AM

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
Pinkpieuni Posts: 207 Forumite

3 October at 11:14AM

2 nsd for me ( 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)
1
AuntieL Posts: 458 Forumite

3 October at 2:37PM

NSD Friday 😁

Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15

MFW 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 = /£1000
1
doingitanyway Posts: 10,552 Forumite

3 October at 3:23PM

Hello @cathybird please can I join/ (again I know...)
I would like 12 NSDs in October. I have had 2 already. So 2/12 please for October

If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/2025
1

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

Categories

All Categories
352.9K Banking & Borrowing
253.9K Reduce Debt & Boost Income
454.7K Spending & Discounts
246K Work, Benefits & Business
602.1K Mortgages, Homes & Bills
177.8K Life & Family
259.9K Travel & Transport
1.5M Hobbies & Leisure
16K Discuss & Feedback
37.7K Read-Only Boards