December 2025 NSD challenge
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The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
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Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Dazzling December's No-Spend Days Challenge!
Comments
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My first spends today - had to get some stuff to take to a relatives later in the week.
'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 -
NSD today 💪🏻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 -
NSD today - only bought food!! 😂
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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 13/15
beanielou 21/19
cathybird 19/15
Dizzycap 22/20
InDebtEnby 10/13
KajiKita 16/18
laurenh1 5/18
leftatthetrafficlights 18/15
LittleMissDetermined 16/15
Pinkpieuni 8/10
Prodigal50 10QueenJess 15short bird 18ThriftyPrincess40 17/20
VickyA 2 8/15
To see the updated results for December on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Inching closer! I knew this month was going to be a struggle! 😂😂
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 Tuesday 😁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 for meCurrent No Spend Challenge: 10/13
2025 No Spend Days: 157/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
Early call for a 22/20 NSD Wednesday!
I've got no planned spends over the Christmas & New Year, so I'll see you all on the new 2026 NSD thread 
Wishing everyone a peaceful & joyous Christmas and a Very Happy, Healthy, & Weathy New Year! xxxxxx ~ 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)2 -
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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