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Joyful July's No Spend Days Challenge!
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Day 18 today although it was a very close thing!‘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 -
One for me again today.Life 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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25712
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Another one today, I did spend, but it was groceries only from budget, which is allowed. Now on 10/15Making 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 £550/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Definitely not an NSD today - £295 on dental work …. 🙄
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 = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 20/19
BlackCoffeeNoSugar 14/10
cathybird 15/15
Crazycatlady2 19/18
Dizzy Imp 15
GeorgianaCavendish 15/19
IndiJonesi 12/11
jammy dodger
KajiKita 16/15
lianne1984 2/10
LittleMissDetermined 19/18
Makingabobor2 10/15
MrsCautious 15/12
mummy2threeboys 10
QueenJess 12/17
Rupacomp 7/15
Saver-upper 12/15
short bird 18/18
Newcomers welcome
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Same KajiKita, mine was £120 though for a repair to a crown, but then the repair promptly fell out as soon as I got home! I have to go back tomorrow but at least they won't charge me then (I hope)KajiKita said:Definitely not an NSD today - £295 on dental work …. 🙄
KK
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Not 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.2 -
Well done MrsCautious, GeorgianaCavendish, short bird, LittleMissDetermined and Makingabobor2
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They’d better not! Imagine the crew of MSE standing with you, backing you up, if they try! 😉cathybird said:
Same KajiKita, mine was £120 though for a repair to a crown, but then the repair promptly fell out as soon as I got home! I have to go back tomorrow but at least they won't charge me then (I hope)KajiKita said:Definitely not an NSD today - £295 on dental work …. 🙄
KK
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 = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 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 -
An early call for a NSD for me today... pay day tomorrow so nowt left to spend!Life 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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25712
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