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Joyful July's No Spend Days Challenge!
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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 -
JulyOff to a start =5 days =
10 days =
15 days =
20 days =
Target reached = 
Target beaten = 
July targets
beanielou 22/19
BlackCoffeeNoSugar 15/10
cathybird 18/15
Crazycatlady2 21/18
Dizzy Imp 15
GeorgianaCavendish 19/19
IndiJonesi 12/11
jammy dodger
KajiKita 19/15
lianne1984 2/10
LittleMissDetermined 21/18
Makingabobor2 12/15
MrsCautious 17/12
QueenJess 13/17
Rupacomp 9/15
Saver-upper 16/15
short bird 21/18
Newcomers welcome
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Well done LittleMissDetermined, GeorgianaCavendish, short bird and beanie
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A final one for July for me today please @cathybird... see you in August!
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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25712 -
That's me done for July, definitely not one today... See you tomorrow in August!!‘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 -
Yeh, yeh, I know … I realised as I posted it, but then thought why not? 🤷♀️😉😂cathybird said:
Me too! You take these things so much for grantedKajiKita said:Ugh …. 😑 I hate that when you get a major appliance failing on you - my worst is the washing machine. When that fails, it sends me into a right spin ….
KK
PS ha ha - spin 
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 -
Got one last one in! In spite of buying a wardrobe today … via FBMP for £20. It was a lot of timber for £20! 😊
Shame I won’t hit the 20 NSDs this month but 19 is good in a month when we have been doing building works, I had work done on a tooth and the cat needed sticky necking 😊
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 -
Last one for me today, takes me to 12. Almost made it, but not quite.Making 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 -
Here I am! I am here!!
Haven't been around for ages
.
Since posting on 19th, I then had NSDs on
22nd
23rd
25th and 30th, making it a total of 16 NSDs, out of my target of 15.
Thank you for keeping us all in order cathybird
SPC #36 :staradminx 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
Pinecone £301,Valued Opinions £10.502
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