November 2025 NSD challenge
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Nifty November's No-Spend Days challenge!
Comments
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One for yesterday. Back to it after a few days in Italy.Current No Spend Challenge: 10/13
2025 No Spend Days: 157/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 12/18
beanielou 21/19
BogStandardBob 4/12
cathybird 15/15
Changeyourlife25 10Crazybee787 5/12
Dizzycap 20/15
doingitanyway 1/12
Doris17 6/15
InDebtEnby 7/13
KajiKita 17/20
laurenh1 19/18
leftatthetrafficlights 18/15
LittleMissDetermined 13/12
Pinkpieuni 8/10
Prodigal50 10QueenJess 15short bird 18VickyA 2 4/15woodyemm 10To see the updated results for November on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Not today, extra in grocery shopXX1
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One yesterday, not today - found a small c-mas present for Mr 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.1 -
18 for me today please 😁'Happiness is not a destination but the journey you walk every day'
Jan GC: £0/£100
DNF: £0/£6700
Garden sections: 0/21
DNF: 3/45
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'1 -
A very early enthusiastic call for a 20/15 NSD Sunday! I'm an eager beaver to get the carol singers emoji to complete the November collection
My new backdoor was fitted today and the builder is coming in to finish some bits in the hallway next week, so all repairs will be completed before Christmas - I've already put the money aside as if spent on an October spendy day to pay the invoice, so I won't be counting it as a spendy day in November 
~ NSD 2026 - NSD January 0/20 (1)# Spectos/Royal Mail Monitoring and Posting Panel 2026 - On 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.8 Sealed (Christmas) Pot Challenge 19 - 2026 - 24/12/25 - 24/10/26 £50+ / £400 (1)# No.4 £2 Savers Club 2026 - 25/12/25 - 24/10/26 £0 / £200 (1)1 -
It was one for me yesterday
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 #017EF £1000/£1000 | Sabbatical £4055/£60001 -
One today, not yesterday as I went to a Christmas market & bought a few bits x
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Nsd 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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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
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