July NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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Calling early for 9 NSDs
‘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.
Frugal living in 2026.
261 No Spend Days in 2024!
3-month Emergency Fund: £3,500 / £3,500 - DONE!1k Pet Emergency Fund - £1,000 / £1,000 - DONE!
6 month Emergency Fund: £5,768 / £8,000
Nationwide 1 year 6.5% Savings - £1,600 / £2,2001 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 6/15
beanielou 10/19
Caeraugirl 12cathybird 8/15
Crazycatlady2 7/18
Daywon 15HotDog2020 7/15
ilovetea 6/20
KajiKita 8/18
laurenh 4/20leftatthetrafficlights 9/24
LittleMissDetermined 5/15
Makingabobor2 4/15Mrs Cautious 3/26Rupacomp 7/15
Saver-upperSecondStar 9/19short bird 9/18
Worlds Worst Superhero 7/20
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
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Day 8 yesterday, day 9 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.1 -
7/15 @cathybird Thank you.1
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After a few spendy days, back to being an NSD today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10001 -
one for me today please xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60001
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NSD Wednesday here 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Well done Crazycatlady2, beanie, Makingabobor2, SecondStar, short bird, HotDog2020, AuntieL, LittleMissDetermined and KajiKita
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Early call for one for me today… currently in the gym so I’ll be too knackered later hahaLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60001
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