December 2025 NSD challenge
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Dazzling December's No-Spend Days Challenge!
Comments
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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 -
It’s one for me todayLife 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
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Had NSD Monday yesterday but was a spend day today 😞 blooming driving licence renewal and food 🤦🏻♀️Debts off by Xmas 2026 0/4000
NSD Dec 16/20
365 challenge
#cc1 /4100 high interest
#cc2 /3400
#cc3 /2143
#cc4. /6570
#loan1 /14000
#loan2 /110001 -
It's a 15/20 NSD Wednesday!
Not expecting any spends for the rest of the week 
~ 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.16 Sealed (Christmas) Pot Challenge 19 - 2026 - 24/12/25 - 24/10 2026 £40+ / £400 (1)1 -
Oh and NSD Tuesday 🙈 lost track of daysDebts off by Xmas 2026 0/4000
NSD Dec 16/20
365 challenge
#cc1 /4100 high interest
#cc2 /3400
#cc3 /2143
#cc4. /6570
#loan1 /14000
#loan2 /110001 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 9/15
beanielou 14/19
cathybird 13/15
Dizzycap 15/20
Frisby40 12/15
InDebtEnby 6/13
KajiKita 12/18
laurenh1 5/18
leftatthetrafficlights 6/15
LittleMissDetermined 12/15
Pinkpieuni 5/10
Prodigal50 10QueenJess 15short bird 18VickyA 2 8/15
To see the updated results for December on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞0 -
As a side note: Christmas 8p veggies in Aldi, Lidl, Morisons, and Tesco & 12p veggies in Sainsburys staring tomorrow 18/12 - 24/12 While stocks last!~ 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.16 Sealed (Christmas) Pot Challenge 19 - 2026 - 24/12/25 - 24/10 2026 £40+ / £400 (1)1
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One here 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 = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 79 books of target 52 in 2025, as @ 24th December
Produce tracker: £453 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 Wednesday 😁 visit to vet for dog’s booster injections but I class this as essential spend 🐾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 todayCurrent No Spend Challenge: 10/13
2025 No Spend Days: 157/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301
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