December 2025 NSD challenge
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Dazzling December's No-Spend Days Challenge!
Comments
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One yesterday and 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.2 -
6/15 for me today 😁'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'2 -
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 = £12,822 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 5/15
beanielou 6/19
BogStandardBob 12cathybird 5/15
Dizzycap 5/20
doingitanyway 12Doris17 15InDebtEnby 1/13
KajiKita 5/18
laurenh1 3/18
leftatthetrafficlights 6/15
LittleMissDetermined 5/15
Pinkpieuni 1/10
Prodigal50 10QueenJess 15short bird 18VickyA 2 2/15
To see the updated results for December on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Apologies, another few days of being MIA, but I have had 2 NSDs. Not bad for the most manic time of the year for many! 2/15 so far.
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 -
leftatthetrafficlights said:6/15 for me today 😁Unfortunately, Sunday is going to be a spendy day so staying on 5/20 - babyface dislocated one of her back paws this afternoon after slipping backwards, so another vet visit to very painfully pop it back in along with pain & inflamation medication & bundles of rest for the next 4 days
:'( As I've already counted Saturday as a NSD, I've transferred the emergency spend to Sunday as babyface will be snuggled up in bed with me today, except I'll be playing butler to madam for everything; including carrying her out for toilet breaks 
Ho,ho, ho!~ 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 -
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 -
Thanks @Dizzycap 😁Dizzycap said:leftatthetrafficlights said:6/15 for me today 😁Unfortunately, Sunday is going to be a spendy day so staying on 5/20 - babyface dislocated one of her back paws this afternoon after slipping backwards, so another vet visit to very painfully pop it back in along with pain & inflamation medication & bundles of rest for the next 4 days :'( As I've already counted Saturday as a NSD, I've transferred the emergency spend to Sunday as babyface will be snuggled up in bed with me today, except I'll be playing butler to madam for everything; including carrying her out for toilet breaks Ho,ho, ho!
So sorry about babyface's injury 😔 I hope she recovers quickly 🤞
I don't think you should count the vet's bill as a 'spend' day - it was an essential (same as food) certainly not a 'choice' to spend!
Enjoy the cuddles 😁❤️
'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 Sunday here 😊
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 -
It's been one for me today
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
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