July NSD challenge
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Joyful July's No-Spend Days Challenge!
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Adding 2 more, yesterday & today.
Didn't quite make it this month, but as last month was extra good, I'm not complaining.
Will go for 15 again for August. Thanks @cathybird.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
One for me today to end the month please
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
Finishing July on 24/24
I'm aiming for 24 again for August please.
I won't be updating my August totals until the beginning of September as I'm doing a digital detox from tomorrow so good luck everyone!! 😁DNF: £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'2 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 16/15
beanielou 27/19
Caeraugirl 6/12
cathybird 15/15
Crazycatlady2 15/18
Daywon 15HotDog2020 15/15
ilovetea 6/20
KajiKita 23/18
laurenh 4/20leftatthetrafficlights 24/24
LittleMissDetermined 17/15
Makingabobor2 10/15
Mrs Cautious 9/26
Rupacomp 15/15
Saver-upperSecondStar 22/19
short bird 21/18
Worlds Worst Superhero 19/20
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
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August targetsAuntieL 15beanielou 19Caeraugirlcathybird 10Crazycatlady2 20DaywonGeriatricmumHotDog2020 15iloveteaKajiKita 18laura lau 18laurenh 18leftatthetrafficlights 24LittleMissDetermined 15Makingabobor2 15Mrs CautiousRupacomp 12Saver-upperSecondStar 16short bird 22Worlds Worst Superhero
Newcomers welcome! 1 -
Think I may have a purchase to make later today, so I’ll be finishing up July on 22 NSDs!
Target for August will be 16 - I’m anticipating a spendy month, there are birthdays, busy weekends, and our anniversary all coming up!‘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 / £2,4000 -
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 today so achieved my target 🥳... Going to ease back for august as lots of birthdays, breaks and things happening. So aiming for 12Savings goal by 31/12/24: £22000
Dec 23: £6945.230 -
Apologies for not keeping up with posting. Having a rough time here. Had five further NSDs since 25th.Target 18 for August.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
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