July NSD challenge
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]1 -
Another one for yesterdayMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £25,444....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £300/3000
Studies/surveys October £ 101.72
Decluttering items 1400/2025. 444/2026
Books read 2025/23 2026- 23 (target is 52)
Jigsaws done 20 in 2025. 5 in 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Ok so Monday is a NSD but as predicted Fri sat sun were not 🤣. Only food spend this week but that will be alot as filling new fridge freezer and a rare stock up at Aldi as hubby off work tomorrow1
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 7/15
beanielou 14/19
Caeraugirl 4/12
cathybird 12/15
Crazycatlady2 8/18
Daywon 15HotDog2020 8/15
ilovetea 6/20
KajiKita 11/18
laurenh 4/20leftatthetrafficlights 12/24
LittleMissDetermined 8/15
Makingabobor2 5/15
Mrs Cautious 9/26
Rupacomp 9/15
Saver-upperSecondStar 10/19
short bird 12/18
Worlds Worst Superhero 11/20
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
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Up to 10 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: £6,350 / £8,000
Nationwide 1 year 6.5% Savings - £2,400 / £2,400 - DONE!1 -
NSD Monday here 😊
KKAs at 16.10.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £209,304
- OPs to mortgage = £20,180 Estd. interest saved = £10,393 to date
c. 17 months reduction in term
Fixed rate 3.85% ends October 2030
Read 74 books of target 52 in 2026 as @ 14th October.
Produce tracker: £348 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 -
I bought snacks so not a NS day for me I am afraid, and I wish I hadn't bought them I feel rubbish much like what I bought and ate 😒😒😒1
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Another NSD for me today xSavings goal by 31/12/24: £22000
Dec 23: £6945.231 -
Well done short bird, LittleMissDetermined, beanie, Makingabobor2, Crazycatlady2, SecondStar, KajiKita and Rupacomp
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