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Joyful July's No Spend Days Challenge!
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NSD today 😊
Bought a slab of cake for my team at lunchtime but that came out of my ‘pocket money’ so doesn’t count 😉
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 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £227 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.1 -
JulyOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
July targets
beanielou 18/19
BlackCoffeeNoSugar 11/10
cathybird 12/15
Crazycatlady2 17/18
Dizzy Imp 15
GeorgianaCavendish 12/19
IndiJonesi 12/11
jammy dodger
KajiKita 13/15
lianne1984 2/10
LittleMissDetermined 16/18
Makingabobor2 7/15
MrsCautious 10/12
mummy2threeboys 10
QueenJess 10/17
Rupacomp 6/15
Saver-upper 12/15
short bird 16/18
Newcomers welcome
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Got one in today!Savings goal by 31/12/24: £22000
Dec 23: £6945.232 -
Well done Saver-upper, beanie, Crazycatlady2, KajiKita and Rupacomp
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Nothing serious I hope xxCrazycatlady2 said:Don’t think I’ve spent anything since last time….had 2 health issues so done nothing 🤷♀️1 -
Sciatica and a women’s issue, neither serious but painful and limiting what I can do. Been totally off my feet since Friday really so hubby and 2 elder kids are covering me as well as 2 of them working…hubby had to work school hours due to youngest being disabled but no idea how we cope next week as he breaks up today 🤷♀️🥲cathybird said:
Nothing serious I hope xxCrazycatlady2 said:Don’t think I’ve spent anything since last time….had 2 health issues so done nothing 🤷♀️2 -
I knew someone who had sciatica a few years ago and she said it was a really painful condition, so sorry to hear it, Crazycatlady2, I know you don't need me to tell you this but rest up and take care of yourself xxCrazycatlady2 said:
Sciatica and a women’s issue, neither serious but painful and limiting what I can do. Been totally off my feet since Friday really so hubby and 2 elder kids are covering me as well as 2 of them working…hubby had to work school hours due to youngest being disabled but no idea how we cope next week as he breaks up today 🤷♀️🥲cathybird said:
Nothing serious I hope xxCrazycatlady2 said:Don’t think I’ve spent anything since last time….had 2 health issues so done nothing 🤷♀️2 -
One for me today please
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 -
Take care crazycatlady2. (I am one too )
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 -
Day 16... probably won't be one tomorrow.‘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
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