Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18
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Outstanding October's No-Spend Days Challenge!
Comments
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NSD Sunday 😁 No spending plans todayMFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
3/12 Please @cathybird I did buy 24 hour car insurance, however I didn't drive the car so I got a full refund, therefore nothing spent. Thank you XX.Missions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.1 -
Today is my first NSD for October! And I'm off!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 declared1
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Not today, but that’s okay as I found a present for the impossibility of my dad’s birthday! 🎉🎊🤩😂
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 as I was sociable after the morning run and bought tea and a pastry, then had lunch out.Current No Spend Challenge: 13/13
2025 No Spend Days: 127/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301 -
@doingitanyway absolutely everyone is welcome, no one here can say someone can't join, it doesn't work like that (in case I need to say that)! xx Sometimes I worry that people who join the challenge but then don't finish or reach target for whatever reason think they can't rejoin the following month, but that's absolutely when people should rejoin (I think)
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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 5/18
beanielou 4/19
Caeraugirl 10cathybird 4/15
Changeyourlife25 2/10
Crazybee787 3/12
Crazycatlady2 15Dizzycap 6/20
doingitanyway 3/12
Doris17 3/15
Emmel 12InDebtEnby 3/13
KajiKita 3/20
laurenh1 3/18
LittleMissDetermined 5/18
Pinkpieuni 2/10
Prodigal50 10Quantaqa 15QueenJess 3/15
short bird 3/18
Tenar15 10VickyA 2 1/15
To see the updated results for October on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞3 -
Super going all
It's a 5/20 NSD Sunday!
As I have a very hectic day tomorrow with an exceedinly early start, I'm going to declare a 6/20 NSD Monday now as I won't have time to spend & will probably forget to report it tomorrow
~ NSD 2025 - NSD October 18/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1278.68 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £20,075.12 / £12,000 💯 (8) - Continuing2 -
An unexpected day 3.‘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 -
Good morning, this is NSD #5 for me
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £31070
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