December 2025 NSD challenge
Ready, steady… save!
You don’t need a chart to join in. Here are 2 ways to record your savings:
1. Cross it off
Pop a chart into your first post. Saved an amount? Cross it out! Read more »
£0.01 £0.02 £0.03
2. Write it down
Skip the chart and add updates to your first post. Read more »
“Another +£3 saved today. Go me!”
Use +£ before each new saving so it counts towards your total.
📨 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!
Dazzling December's No-Spend Days Challenge!
Comments
-
One today x1
-
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 1/15
beanielou 2/19
BogStandardBob 12cathybird 15Dizzycap 1/20
doingitanyway 12Doris17 15InDebtEnby 13KajiKita 1/18
laurenh1 2/18
leftatthetrafficlights 2/15
LittleMissDetermined 1/15
Pinkpieuni 1/10
Prodigal50 10QueenJess 15short bird 18VickyA 2 15To see the updated results for December on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Declaring early as I have a busy day ahead and won't be spending- 2/15 please 😁'Happiness is not a destination but the journey you walk every day'
GC - November: £6/£350
Debt neutral fund - 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 yesterday. Thank you @cathybird for the thread.
Challenges
NSD - August - xx/10
1. 2026 Mortgage-Free Wannabes #61 £27,100/£27,100, target met June 2026, mortgage balance - £0. mortgage @ Jan 2025 - £75,600
2. 2026 Mortgage Free Wannabe #47 , buy to let deposit xx/20k
3. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
4.52 Week Envelope Saving Challenge #2 £689/£1,378 -( 26/52)
5. EF - £1,742
1 -
Declaring early for today as my only spend today will be medications for Mr KK and myself for our various sicklinesses … 🙄😉
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
c. 18 months reduction in term
Fixed rate 3.85% ends October 2030
Read 81 books of target 52 in 2026 as @ 14th November.
Produce tracker: £359 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.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.
One debt remaining. Home improvement loan. 9 months left.1 -
It's a Spendy Day Tuesday here so staying on 1/20 NSD - babyface isn't well and needed a set of blood tests at the vets
She should be on be mend soon xxx As it's a spend day I might treat myself to a take away this evening, if I feel able / can be bothered to go and get one / order one - Not had one since last year 
--**MONEYFACTS**-- FULL List of Money Comparison Products + News / Guides--Personal MSE 2026 Money Saving Challenges:# Regular Savers 2026- New 9/12 - Total: 31 (6)# No.2 Save 1p A Day Challenge 2026 £355.02 / £667.95 (6)# No.4 Save £12k in 2026 - £8492.37 / £12,000 (6)# £10-a-Day Challenge 2026 - £710.56 / £1825 (6)# No.8 Sealed Pot Challenge 19 (22/10) 426 / £400 (6)# No.27 - Top Up EP 2 £1255 / £2880 (6).# Decluttering Challenge (6)# No.4 £2 Savers Club 2026 - Completed# No.5 Fiver Friday Challenge 2026 - Completed# Make £2026 in 2026 - Completed# Spectos Mailagent - ReadyMotto: 'SAVE before you spend on Non-essentials'1 -
Thank you 🙏cathybird said:@KajiKita, hope you & Mr KK recover soon, as usual in winter there do seem to be lurgis going around xxx
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,603 Estd. interest saved = £10,635 to date
c. 18 months reduction in term
Fixed rate 3.85% ends October 2030
Read 81 books of target 52 in 2026 as @ 14th November.
Produce tracker: £359 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.1 -
another one to report xx1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.9K Banking & Borrowing
- 255K Reduce Debt & Boost Income
- 456.2K Spending & Discounts
- 248.4K Work, Benefits & Business
- 606.1K Mortgages, Homes & Bills
- 179.1K Life & Family
- 264K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards