December 2025 NSD challenge
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Dazzling December's No-Spend Days Challenge!
Comments
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NSD today wooop🥳#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 -
I keep trying to keep this up and will do better in January if you will have me back @cathybird...
12 NDSs for January pleaseIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20251 -
@doingitanyway yes of course! lovely to see you here
I'll add you to the January list. It's up already actually, link here
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
December targetsAuntieL 18/15
beanielou 27/19
cathybird 23/15
Dizzycap 28/20
InDebtEnby 14/13
KajiKita 19/18
laurenh1 5/18
leftatthetrafficlights 18/15
LittleMissDetermined 22/15
Pinkpieuni 10/10
Prodigal50 10QueenJess 15short bird 18ThriftyPrincess40 23/20
VickyA 2 12/15
To see the updated results for December on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Early call for tomorrow. Hard to believe that it’s the last day of the year.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 -
It's a 27/20 NSD Tuesday and a very early call for a 28/20 NSD Wednesday
That completes 2025 & I'll eagerly see you on the NSD shiny new January 2026 thread - HAPPY NEW YEAR to EVERYONE 
# 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)1 -
One todayCurrent No Spend Challenge: 11/13
2025 No Spend Days: 49/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
NSD today🥳 happy new year everyone! 🥳#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 320/5002 -
@beanielou it is, isn't it? I know people always say this but the year flew by!beanielou said:Early call for tomorrow. Hard to believe that it’s the last day of the year.1 -
Not today, I went to buy buttons but the shop was closed then I was almost tempted to have lunch at a cafe, but I had soup at home that needed eating, so I popped into the bakers and just got a couple of things for today and tomorrow, so not as expensive as it could have been.Current No Spend Challenge: 11/13
2025 No Spend Days: 49/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302
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