We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Dazzling December's No-Spend Days Challenge!

1…1617192122…25

Comments

  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 341 Forumite
    100 Posts Name Dropper
    NSD today for me 🥳
    #no 3 Debts off by Xmas 2026 £2175/£15,250
    NSD March 14/22 NSD April 17/22
    #no 13 365 days 1p challenge 2026 90/365
    £40.95/£667.95 
    #no 2 £2 coin savers challenge 2026
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £2175
    1% challenge = 14.2%

    #cc1 700/4100 29%
    #cc2 NatWest 600/3400 29%
    #cc3 Halifax 390/2150 26%
    #cc4. MBNA 485/5600 0% runs out soon
    #loan1 1300/14000  7.2%
    #loan2 858/11000 13%
    #family loan /4000 0%
    #solicitors /8000

    Crisis fund 320/500
  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 341 Forumite
    100 Posts Name Dropper
    NSD today making 19/20 I think
    #no 3 Debts off by Xmas 2026 £2175/£15,250
    NSD March 14/22 NSD April 17/22
    #no 13 365 days 1p challenge 2026 90/365
    £40.95/£667.95 
    #no 2 £2 coin savers challenge 2026
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £2175
    1% challenge = 14.2%

    #cc1 700/4100 29%
    #cc2 NatWest 600/3400 29%
    #cc3 Halifax 390/2150 26%
    #cc4. MBNA 485/5600 0% runs out soon
    #loan1 1300/14000  7.2%
    #loan2 858/11000 13%
    #family loan /4000 0%
    #solicitors /8000

    Crisis fund 320/500
  • cathybird
    cathybird Posts: 16,519 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 26 December 2025 at 10:37PM
    December 2025 NSD challenge


    Off to a start = image 

    5 days = image 

    10 days = image  

    15 days = image 

    20 days = image 

    Target reached = image 

    Target beaten = image


    December targets


    AuntieL 16/15  image  image  image   image  image  image

    beanielou 21/19  image  image  image   image  image  image  image

    cathybird 21/15  image  image  image   image  image  image  image

    Dizzycap 24/20  image  image  image   image  image  image  image

    InDebtEnby 11/13  image  image  image  

    KajiKita 18/18  image  image  image   image  image 

    laurenh1 5/18  image  image 

    leftatthetrafficlights 18/15  image  image  image   image  image  image

    LittleMissDetermined 16/15  image  image  image   image  image  image

    Pinkpieuni 9/10  image  image 

    Prodigal50 10 

    QueenJess 15 

    short bird 18  

    ThriftyPrincess40 19/20  image  image  image   image 

    VickyA 2 8/15   image  image 


    To see the updated results for December on phone or tablet, click here :)


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • cathybird
    cathybird Posts: 16,519 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 26 December 2025 at 10:39PM
    image

    Yes there's a shiny new month just round the corner, any thoughts on targets? ... image (I've listed the same targets as this month but pls say if you'd like to aim for something different!)

    January targets

    AuntieL 15
    beanielou 19
    cathybird 15
    Dizzycap 20
    InDebtEnby 13
    KajiKita 20
    laurenh1 18
    leftatthetrafficlights 15
    LittleMissDetermined 15
    Pinkpieuni 10
    QueenJess 15
    short bird 18
    ThriftyPrincess40 20
    VickyA 2 15
    Wanna_Bee_Free 10


    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • KajiKita
    KajiKita Posts: 9,988 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I need to get back on track @cathybird so I will aim for 20 in January please. 

    KK
    As at 17.04.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
    - OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 28 books of target 52 in 2026 as @ 23rd April. 
    Produce tracker: £78 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • AuntieL
    AuntieL Posts: 502 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic
    NSD Wednesday, Thursday and Friday 😁
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    April 2026 NSD Challenge 0/15

    MFW 2025 #45
    Jan 2016 Mortgage = £150,894 (23years 0months)
    Current outstanding = £90,256.60 (10years 1month)
    2024 Overpayment = £675.66
    2025 Overpayment = £710/£700
    2026 Overpayment = £357.72/£1000
  • Wanna_Bee_Free
    Wanna_Bee_Free Posts: 2,751 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi Cathybird, please can I join you in January with an NSD target of 10 as I'm really new to this and usually forget to keep a count well before double digits!
    https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
    April NSD challenge 12/10
    April AFD challenge 6/14
  • Dizzycap
    Dizzycap Posts: 1,807 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 26 December 2025 at 6:59PM
    @ cathybird - 20 for January is good for me. Thank you:-) I'm so looking forward to NSD 2026 - It must be all the superb emoji  :D I will keep my eye open for the shiny new 2026 thread  ;) Thanks again @ cathybird for running the NSD thread and all the hard work of keeping it updated daily xxxxx
    ~ NSD 2026 Challenge April 23/20 (4)
    # No.12 Save £2 a Day 2026 £243.32 / £730 (4)
    # No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)
    # No.19 52 Week Env Challenge 2026 £520 / £1378 (4)
    # No.4 Save £12k in 2026  £6,234.25 / £12,000 (4)
    # No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)
    # No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)
    # Make £2026 in 2026 £1934.27 / £2026 (4)
  • cathybird
    cathybird Posts: 16,519 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi @Wanna_Bee_Free image, good to see you here! I've added you to the Jan list image
  • Wanna_Bee_Free
    Wanna_Bee_Free Posts: 2,751 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thanks Cathybird, I'm looking forward to joining you all after lurking for a short time. 
    https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
    April NSD challenge 12/10
    April AFD challenge 6/14
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.4K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.3K Work, Benefits & Business
  • 604K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture