We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Joyful July's No-Spend Days Challenge!

13567…33

Comments

  • short_bird
    short_bird Posts: 4,068 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    A warm welcome to day 2!
    ‘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.
  • AuntieL
    AuntieL Posts: 502 Forumite
    500 Posts Second Anniversary Name Dropper Photogenic
    edited 2 July 2024 at 5:10PM
    NSD #2 today 😁 Thank you for organising this lovely group @cathybird
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    April 2026 NSD Challenge 0/15

    MFW 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/£1000
  • leftatthetrafficlights
    leftatthetrafficlights Posts: 2,349 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    2/24 today please 😁
    'Happiness is not a destination but the journey you walk every day'



    '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'

  • laurenh1
    laurenh1 Posts: 1,182 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    NSD yesterday and I THINK today, I bought a light bulb after one blew. I'll let you decide 😁
  • Makingabobor2
    Makingabobor2 Posts: 4,823 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Off & running with 1NSD so far. Hope everybody has a good month. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £26,104....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  

    Challenges

    EF  £290/3000


    Studies/surveys July £99.11

    Decluttering items 1400/    2025.  353/2026
    Books read    23 in 2025.  2026- 16 (target is 52)  
    Jigsaws done  20 in 2025.  4 in 2026

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • beanielou
    beanielou Posts: 100,833 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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. 13 months left.
  • KajiKita
    KajiKita Posts: 10,596 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    NSD today 😊

    KK
    As at 18.08.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
    - OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 59 books of target 52 in 2026 as @ 15th August. 
    Produce tracker: £200 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. 
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    Hi @cathybird I hope you have had a lovelly day today, Please could you add a No spend day making it 2/15...Thank you.
  • cathybird
    cathybird Posts: 16,840 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 5 January at 5:44PM
    AuntieL said:
    NSD #2 today 😁 Thank you for organising this lovely group @cathybird
    @AuntieL it is a lovely group, isn't it! <3:) 

    @[Deleted User] yes I did, thank you, I hope you had a lovely day too :)

    @laurenh1 definitely an NSD :)

    July results updated here :):)
  • cathybird
    cathybird Posts: 16,840 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 2 July 2024 at 10:21PM
    July NSD challenge


    Off to a start = image

    5 days = image

    10 days = image

    15 days = image

    20 days = image

    Target reached = image

    Target beaten = image

    July targets


    AuntieL 2/15   image
    beanielou 2/19  image

    Caeraugirl 12
    cathybird 2/15  image
    Crazycatlady2 2/18  image

    Daywon 15

    Farmers-wife 2

    Geriatricmum
    HotDog2020 2/15  image
    ilovetea 1/20   image
    KajiKita 2/18  image

    keggie

    laconic

    laura lau
    laurenh 2/20  image
    leftatthetrafficlights 2/24  image

    LittleMissDetermined 15
    Makingabobor2 1/15  image

    Mrs Cautious 26
    Rupacomp 1/15  image

    Saver-upper

    SecondStar
    short bird 2/18   image

    Tiangfeng2022

    Worlds Worst Superhero 20




    🌞 🌞  Newcomers welcome! 🌞 🌞

★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 355.3K Banking & Borrowing
  • 254.7K Reduce Debt & Boost Income
  • 455.9K Spending & Discounts
  • 248K Work, Benefits & Business
  • 605.2K Mortgages, Homes & Bills
  • 178.9K Life & Family
  • 263K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture