November 2025 NSD challenge
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Nifty November's No-Spend Days challenge!
Comments
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@QueenJess good to hear from you, hope everything is OK xx
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Not one today, I'm off for a weekend shopping with the girls
Can I go for 15 in December 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 -
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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 15/18
beanielou 25/19
BogStandardBob 4/12
cathybird 18/15
Changeyourlife25 10Crazybee787 5/12
Dizzycap 24/15
doingitanyway 1/12
Doris17 6/15
InDebtEnby 10/13
KajiKita 21/20
laurenh1 20/18
leftatthetrafficlights 21/15
LittleMissDetermined 16/12
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! 🌞 🌞0 -
December targetsAuntieL 15beanielou 19BogStandardBob 12cathybird 15Dizzycap 20doingitanyway 12Doris17 15InDebtEnby 13KajiKita 18laurenh1 18leftatthetrafficlights 15LittleMissDetermined 15Pinkpieuni 10Prodigal50 10QueenJess 15short bird 18VickyA 2 15🌞 🌞 Everyone welcome to join! 🌞 🌞0
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NSD Thursday 😁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 -
One today 😊
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 -
Not one tomorrow. Going out for lunch.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 -
Had a 23 /15 NSD on Wednesday; change of meeting plan & gathered at my house
& 24/15 today ~ 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 -
~ 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)2
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