July NSD challenge
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Joyful July's No-Spend Days Challenge!
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7 NSDs so far
‘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 / £2,4001 -
NSD Monday here 😊
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 -
Monday 8th July today and I've managed 7 NSDs so far.
It would have been 8 but we went out for a picnic lunch down by the river and on the way back noticed that the little ice-cream shop was advertising that they had a range of vegan ice creams and lollies.
I like to support small independent businesses, especially when they make the decision to stock vegan products.
Treated myself to a vegan Magnum, one of the new chocolate, cookie crisp and raspberry ones.
Totally unnecessary but gosh, it was divine!2 -
They sound gorgeous. Vegan ice cream is so hard to come by up here . Independent businesses are very rare :-(Worlds_Worst_Superhero said:Monday 8th July today and I've managed 7 NSDs so far.
It would have been 8 but we went out for a picnic lunch down by the river and on the way back noticed that the little ice-cream shop was advertising that they had a range of vegan ice creams and lollies.
I like to support small independent businesses, especially when they make the decision to stock vegan products.
Treated myself to a vegan Magnum, one of the new chocolate, cookie crisp and raspberry ones.
Totally unnecessary but gosh, it was divine!
3 more NSD to add. Sat. Sun and Mon.
Sa I went to a craft de-stash. Shared a friends table. Didn't buy anything.
Sun did a car boot sale Sold lots of bits before the rain started. Didn't buy anything.
Mon another NSD. Didn't do much. Recovering from yesterday!
Take care every one
ilovetea xxMake £2024 in 2024 £1161.08
Declutter 2024 things in 2024 1522/2024.
NSD's in August 11/202 -
Not a no spend Monday - chocolate dash!2
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 5/15
beanielou 9/19
Caeraugirl 12cathybird 8/15
Crazycatlady2 4/18Daywon 15HotDog2020 5/15
ilovetea 6/20
KajiKita 6/18
laurenh 4/20leftatthetrafficlights 9/24
LittleMissDetermined 3/15
Makingabobor2 3/15Mrs Cautious 3/26Rupacomp 5/15
Saver-upperSecondStar 7/19short bird 7/18
Tiangfeng2022Worlds Worst Superhero 7/20
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
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Well done Makingabobor2, SecondStar, LittleMissDetermined, beanie, short bird, leftatthetrafficlights, KajiKita, Worlds Worst Superhero and ilovetea
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9/24 today pleaseDNF: £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'1 -
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.1
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