December 2025 NSD challenge
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Dazzling December's No-Spend Days Challenge!
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Not today, I had to buy a couple of presents but they were half price and I got a bag of parsnips for 2p!Current No Spend Challenge: 11/13
2025 No Spend Days: 49/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
It's a 26/20 NSD Sunday here
It's going to be a top up food & essential shop tomorrow as I have to return some items via parcel post & fill up the car with petrol, so I'll do it all in one trip out so I can relax for the rest of the month ready to spring into action with all the 2026 MSE challenges starting with a NSD on the 1st of January 
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (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)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1886.43 / £2026 (4)2 -
Early call for 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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
I'm thinking about which types of travel are essential spends. I have travel for fun from home which I would totally see as non-essential spending. Then I have either train, petrol, bus and occasionally uber or taxi costs to my family caring location. I propose to count the train fare, bus fare and petrol as essential spending. Uber and taxi are never essential. I am unsure about allowing the bus but t's a 45 minute walk each way and sometimes the bus timings work well. This caring technically isn't 'essentiall' as it's not a paid job but I choose to spend 2 - 4 days there a week as they struggle on their own.
It would help me I think to ensure that on travel days I am still able to get a NSD which will help me avoid buying food or a coffee where I change trains as that will 'ruin' my NSD. That is exactly the kind of spending I am trying to curtail.
Thoughts and comments welcome!https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
April NSD challenge 11/10
April AFD challenge 6/141 -
Hi Everyone! Hi @cathybird please can I join in with Januarys No spend thread with an aim of 15 please, Thank youXX2
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Definitely one today, I think I will aim for 20 in January.
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60001 -
NSD for me today 💪🏻#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 320/5001 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 16/15
beanielou 24/19
cathybird 22/15
Dizzycap 26/20
InDebtEnby 11/13
KajiKita 18/18
laurenh1 5/18
leftatthetrafficlights 18/15
LittleMissDetermined 20/15
Pinkpieuni 9/10
Prodigal50 10QueenJess 15short bird 18ThriftyPrincess40 20/20
VickyA 2 12/15
To see the updated results for December on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞1 -
@Wanna_Bee_Free you definitely don't have to include any kind of public transport! Or fuel. That's even if the outing itself is just for fun. So it's still an NSD even if you catch the bus. Re taxis, there was a discussion on here some time ago about whether it was OK to include them as an essential spend if the other options were deemed unsafe, eg late at night, and it was decided under those circumstances they were also not a spend. You may feel differently of course? in which case decide whatever is best for you. That's my two bobs' worth xx 3
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I hope everyone had a lovely Christmas.
I have had 4 NSDs, so I'm now up to 12/15. I won't get up to my target, but I think that's not too bad considering it's the month of Christmas.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
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