November 2025 NSD challenge
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Nifty November's No-Spend Days challenge!
Comments
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Another one for me. I had to talk myself out of getting a McDonald'sCurrent No Spend Challenge: 11/13
2025 No Spend Days: 158/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 13/18
beanielou 22/19
BogStandardBob 4/12
cathybird 16/15
Changeyourlife25 10Crazybee787 5/12
Dizzycap 21/15
doingitanyway 1/12
Doris17 6/15
InDebtEnby 9/13
KajiKita 19/20
laurenh1 19/18
leftatthetrafficlights 18/15
LittleMissDetermined 14/12
Pinkpieuni 9/10
Prodigal50 10QueenJess 15short bird 18VickyA 2 11/15
woodyemm 10To see the updated results for November on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
InDebtEnby said:Another one for me. I had to talk myself out of getting a McDonald'sWell done!
It's a very early call for a 21/15 NSD Monday. I was expecting it to be a spendy day, but I found some bulk hidden essential supplies that I'd forgotten about which will last me through until late February
Don't ask! - It's a win-win all round 
~ 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 -
It's one for me today please
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 -
I will think on it thank you, I know it can help me when I try. Thank youXXcathybird said:Sorry to hear that @CrazyBee787 - I agree with @Dizzycap, maybe take a short break and come back in the New Year? you'd obviously be most welcome back xxx1 -
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 -
NSD Monday 😁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 -
Another one today. One more for target … 🤞
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 -
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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Thank you for the best wishes. I'm hopefully out the other side of being poorly, but it's really knocked me.
However, I'm delighted to say that I've been blessed with another NSD! 11/15
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 #18 £2021.83 declared1
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