October 2025 NSD challenge
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Outstanding October's No-Spend Days Challenge!
Comments
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Not one yesterday but one today 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
October targetsAuntieL 4/18
beanielou 4/19
Caeraugirl 10cathybird 3/15
Changeyourlife25 2/10
Crazybee787 2/12
Crazycatlady2 15Dizzycap 4/20
doingitanyway 3/12
Doris17 3/15
Emmel 12InDebtEnby 3/13
KajiKita 3/20
laurenh1 3/18
LittleMissDetermined 2/18
Pinkpieuni 2/10
Prodigal50 10Quantaqa 15QueenJess 3/15
short bird 2/18
Tenar15 10VickyA 2 15To see the updated results for October on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Anything that isn't a bill I count as spending, otherwise I would overspend, especially on snacks.cathybird said:
@InDebtEnby you don't have to include basic groceries so if that's all you spent I think it's an NSD. It sounds as though you could not have gone with the planned chicken so not a lot of choice. xxInDebtEnby said:I ended up buying meatballs for dinner yesterday since the chicken was looking dodgy. I forgot to use the gift card so it ended up being a spend day 😭Current No Spend Challenge: 12/13
2025 No Spend Days: 50/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
One for todayCurrent No Spend Challenge: 12/13
2025 No Spend Days: 50/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Declaring a NSD today.2026 decluttering: 1,120 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 317🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0001 -
NSD yesterday 3/15
Today will be have to do a small grocery shop.
"My Life Is About The Journey Not The Destination"1 -
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 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
3 to report, today being my third 😁1
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2
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