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Joyful July's No Spend Days Challenge!
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Morning! It was another NSD for me yesterday, but not today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21262 -
Forgot to add a NSD for yesterday, so on 3/15 nowMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £450/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £58.64
Decluttering items 750
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Early call for day 8: more I can accumulate the better as one line of income has slowed to a trickle this month and is almost non existent next month.‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.2 -
Another NSD today.
2025 decluttering: 3,452🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 289🥉🥈🥇💎🏆
Big kitchen declutter challenge 78/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002 -
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. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
JulyOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
July targets
beanielou 8/19
BlackCoffeeNoSugar 4/10
cathybird 5/15
Crazycatlady2 6/18
Dizzy Imp 15
GeorgianaCavendish 7/19
Crazycatlady2 18
IndiJonesi 4/11
jammy dodger
KajiKita 7/15
lianne1984 10
LittleMissDetermined 7/18
Makingabobor2 3/15
MrsCautious 5/12
QueenJess 7/17
Rupacomp 2/15
Saver-upper 6/15
short bird 8/18
Newcomers welcome
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Claiming NSDs #6 and #7 for Saturday and Sunday please3
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Not today - got dented … 🦷
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 36 books of target 52 in 2025, as @ 19th July
Produce tracker: £205 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
An nsd today!Savings goal by 31/12/24: £22000
Dec 23: £6945.232
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