July NSD challenge
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Joyful July's No-Spend Days Challenge!
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Kicking off with no 1.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. 19months left.1 -
It’s going to be a challenging month to keep my spends down due to a small holiday and home improvements, but starting with Day 1 today 😊
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- 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 26 books of target 52 in 2026 as @ 12th 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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 1/15beanielou 1/19Caeraugirl 12cathybird 1/15Crazycatlady2 2/18Daywon 15Farmers-wife 2GeriatricmumHotDog2020 1/15ilovetea 1/20KajiKita 1/18keggielaconiclaura laulaurenh 20leftatthetrafficlights 1/24LittleMissDetermined 15Makingabobor2 15Mrs Cautious 26Rupacomp 1/15Saver-upperSecondStarshort bird 1/18Tiangfeng2022Worlds Worst Superhero 20🌞 🌞 Newcomers welcome! 🌞 🌞0 -
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Thanks @cathybird for everything you do...please could I start the month day one no spend 1/15. Thank you🤩❤️🤩1
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Happy July everyone.
First NSD today.
ilovetea xxMake £2026 in 2026 £212-64
Declutter 160 items in 2026
NSD's in Jan. 24/20. Feb 18/201 -
Well done short bird, leftatthetrafficlights, beanielou, KajiKita, HotDog2020 and ilovetea
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NSD #1 yesterday 😁 Happy to start the month on a NSDDebt-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 -
Hi - I totally lost track in June! So starting afresh in July - can I go for a target of 15 , and can already report one NSD for yesterday!Savings goal by 31/12/24: £22000
Dec 23: £6945.231 -
NSD Monday and hopefully Tuesday too 😀1
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