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Joyful July's No-Spend Days Challenge!

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  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    NSD Sunday here 😊

    KK
    As 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. 
  • cathybird
    cathybird Posts: 15,647 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 8 July 2024 at 9:39PM
    July NSD challenge


    Off to a start = image

    5 days = image

    10 days = image

    15 days = image

    20 days = image

    Target reached = image

    Target beaten = image


    July targets


    AuntieL 5/15   image  image

    beanielou 8/19  image  image


    Caeraugirl 12

    cathybird 7/15  image  image

    Crazycatlady2 4/18  image


    Daywon 15

    HotDog2020 5/15  image  image

    ilovetea 3/20   image

    KajiKita 5/18  image  image


    keggie

    laurenh 4/20  image

    leftatthetrafficlights 8/24  image  image

    LittleMissDetermined 3/15   image 

    Makingabobor2 3/15  image

    Mrs Cautious 3/26   image

    Rupacomp 5/15  image  image


    Saver-upper

    SecondStar 6/19  image

    short bird 7/18   image  image


    Tiangfeng2022

    Worlds Worst Superhero 4/20  image





    🌞 🌞  Newcomers welcome! 🌞 🌞

  • cathybird
    cathybird Posts: 15,647 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    July results updated here :):)
  • cathybird
    cathybird Posts: 15,647 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done laurenh1, beanie, LittleMissDetermined, HotDog2020 and KajiKita imageimageimage
  • Makingabobor2
    Makingabobor2 Posts: 4,213 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    more to add from weekend. Was too busy looking after grandchildren to spend money....lol
    That puts me on 3/15 now
    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-up


  • SecondStar
    SecondStar Posts: 641 Forumite
    500 Posts Third Anniversary Name Dropper
    Up to 6 NSDs so far :) Think my July target will be 19, please!
    ‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’

    Frugal living in 2024.
    Frugal living in 2025.

    261 No Spend Days in 2024!

    3-month Emergency Fund: £3,500 / £3,500 - DONE!
    1k Pet Emergency Fund - £1,000 / £1,000 - DONE!

    Nationwide 1 year 6.5% Savings - £600 / £2,400
  • One for me today please 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • beanielou
    beanielou Posts: 95,562 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • short_bird
    short_bird Posts: 4,018 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Must have forgotten to press the "post" button last night: 1 NSD Sunday and 1 today.
    ‘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.
  • 8/24 for me please 😁 
    DNF: £708.92/£1000
    JSF: £708.58/£1000

    Winter season grocery budget: £600.85/£900

    Weight loss challenge 2024: 11/24lbs
    1st quarter start:9st 13.1lb
    2nd quarter start:9st 9.2 lb
    3rd quarter start: 9st 6.8 lb
    4th quarter start: 9st 10.2 lb
    End weight: 8st 13lb

    'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'

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