July NSD challenge
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Joyful July's No-Spend Days Challenge!
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One today - haven’t been anywhere or done anything much 😊
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 -
Day 19 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 -
One today against the odds.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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 14/15
beanielou 23/19
Caeraugirl 6/12
cathybird 15/15
Crazycatlady2 10/18
Daywon 15HotDog2020 14/15
ilovetea 6/20
KajiKita 18/18
laurenh 4/20leftatthetrafficlights 22/24
LittleMissDetermined 15/15
Makingabobor2 8/15
Mrs Cautious 9/26
Rupacomp 12/15
Saver-upperSecondStar 19/19
short bird 19/18
Worlds Worst Superhero 11/20
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
July results updated here
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Hi @cathybird, I would like to call early 14/15 as I plan on doing this today and the sooner I am not 13 the better!! 🤣🤣🤣🤣🤣🤣😂😂😂😂😂🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️🏋️♀️1
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22/24 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 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
August targetsAuntieL 15beanielou 19Caeraugirlcathybird 10Crazycatlady2DaywonGeriatricmumHotDog2020 15iloveteaKajiKita 18laura laulaurenhleftatthetrafficlightsLittleMissDetermined 15Makingabobor2Mrs CautiousRupacompSaver-upperSecondStarshort bird 22Worlds Worst Superhero Newcomers welcome! 0 -
Up to 19 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 -
Howdy!
Can I have 22 for August as I have very little additional paid work that month which will severely reduce September and October cashflow...‘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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