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Challange 5 No Spend Days In July

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  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have now had 5 NSD's since I joined 9 days ago! :j Really chuffed as normally spend every day. May try for 8 in August may do more but school holidays may scupper that!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • piglet6
    piglet6 Posts: 1,532 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Yippee - I finally got number 5 today, so I've managed the challenge! jumping0044.gif

    Now I want to do more next month - hmmm, want to push myself, but don't want to set too many so that I get completely put off and give up!! :p

    Decisions, decisions... headscratcher.gif

    Piglet
  • roxy7699
    roxy7699 Posts: 1,067 Forumite
    Part of the Furniture Combo Breaker
    Ive done another today, and did yesterday too. Not sure if Ill keep it up next month though.
  • beanielou
    beanielou Posts: 95,478 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Another NSD ~yah!
    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.
  • nzseries1
    nzseries1 Posts: 2,240 Forumite
    Yay!! Another one today, only one to go!!!!
    Well done everybody so far.
    You're spelling is effecting me so much. Im trying not to be phased by it but your all making me loose my mind on mass!! My head is loosing it's hair. I'm going to take myself off the electoral role like I should of done ages ago and move to the Caribean. I already brought my plane ticket, all be it a refundable 1.
  • nzseries1
    nzseries1 Posts: 2,240 Forumite
    piglet6 wrote: »
    Yippee - I finally got number 5 today, so I've managed the challenge! jumping0044.gif

    Now I want to do more next month - hmmm, want to push myself, but don't want to set too many so that I get completely put off and give up!! :p

    Decisions, decisions... headscratcher.gif

    Piglet

    Perhaps just increase by one each month?
    You're spelling is effecting me so much. Im trying not to be phased by it but your all making me loose my mind on mass!! My head is loosing it's hair. I'm going to take myself off the electoral role like I should of done ages ago and move to the Caribean. I already brought my plane ticket, all be it a refundable 1.
  • Ames
    Ames Posts: 18,459 Forumite
    I like the idea of adding one to how many's been managed, I think I'll do that for next month.
    Unless I say otherwise 'you' means the general you not you specifically.
  • nzseries1
    nzseries1 Posts: 2,240 Forumite
    Ames wrote: »
    I like the idea of adding one to how many's been managed, I think I'll do that for next month.

    I like it because it means you only have to work fractionally harder next month, but you'll have in the back of your mind that it's going to be even harder the month after and so you'll work twice as hard...did that make sense? :D
    You're spelling is effecting me so much. Im trying not to be phased by it but your all making me loose my mind on mass!! My head is loosing it's hair. I'm going to take myself off the electoral role like I should of done ages ago and move to the Caribean. I already brought my plane ticket, all be it a refundable 1.
  • Aussieonabudget
    Aussieonabudget Posts: 261 Forumite
    I agree, great idea - I'll be trying for one more than I do this month! Will have to see at the end of the week if I am aiming for 6, 7 or 8!!
    Moved back to Australia March 2010
    Mortgage Dec 2010 $379 325 [STRIKE]Apr 2011 $377 009 Aug 2011 $375,279[/STRIKE] Nov 2011 $368 237
    OP 2011 $2601.18
    Car loan from parents 50.5% paid
  • Lula-Hula
    Lula-Hula Posts: 7,868 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hello,

    wow, everyone's doing really well on this challenge :)

    I got to my target of 10 on saturday :D & got another one today, trouble is I still seem to be overspending on my non NSDs :o .

    Have had my most spendiest month yet, gone way over on the grocery challenge & cant seem to work out why :( .

    Oh well, new month & challenges start on friday & I'm very miffed that my car has to have a new wheel bearing so will have a big fat bill on the first day :mad: . Maybe that will help to keep me not spending for the rest of the month :rolleyes: .

    lula x
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