July NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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No spend 12/15 please @cathybird....Thanks.1
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Finally have another NSD today, but with holiday prep and last minute purchases I've been very lax. I'm going to call it at 6 for this month and rejoin when I return in the second week of August.#21 Save £12k in 2025 £25577.35/£200001
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NSD Monday here 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 13/15
beanielou 22/19
Caeraugirl 6/12
cathybird 15/15
Crazycatlady2 10/18
Daywon 15HotDog2020 12/15
ilovetea 6/20
KajiKita 16/18
laurenh 4/20leftatthetrafficlights 15/24
LittleMissDetermined 13/15
Makingabobor2 7/15
Mrs Cautious 9/26
Rupacomp 12/15
Saver-upperSecondStar 15/19
short bird 18/18
Worlds Worst Superhero 11/20
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
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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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
NSD #13 for me today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
December 2025 NSD Challenge 1/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £93,038.66 (10years 5months)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = /£10001 -
Not today last minute snack buying 😒😒😒1
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Not today - had lunch out with an old friend and his new girlfriend 😊🤩❤️
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- OPs to mortgage = £12,822 Estd. interest saved = £6,166 to date
Fixed rate 3.85% ends October 2030
Read 77 books of target 52 in 2025, as @ 13th December
Produce tracker: £447 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.2 -
day 18, which is nice.‘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
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