July NSD challenge
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Joyful July's No-Spend Days Challenge!
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Up to 4 NSDs‘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 - £1,000 / £2,2001 -
Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =July targetsAuntieL 4/15beanielou 5/19Caeraugirl 12cathybird 5/15Crazycatlady2 4/18Daywon 15Farmers-wife 2GeriatricmumHotDog2020 3/15ilovetea 2/20KajiKita 4/18keggielaconiclaura laulaurenh 2/20leftatthetrafficlights 5/24LittleMissDetermined 1/15Makingabobor2 1/15Mrs Cautious 3/26Rupacomp 4/15Saver-upperSecondStar 4/TFshort bird 3/18Tiangfeng2022Worlds Worst Superhero 4/20🌞 🌞 Newcomers welcome! 🌞 🌞0
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Another NSD today!Savings goal by 31/12/24: £22000
Dec 23: £6945.230 -
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Well done beanie, Crazycatlady2, short bird, Worlds Worst Superhero, SecondStar and Rupacomp0
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Declaring very early (!😳) 5/24 please 😁'Happiness is not a destination but the journey you walk every day'
Weight loss challenge 2024:
Start weight: 9st 13.1lb
End weight: 8st 13lb
Weight loss challenge 2025:
Start weight: 8st 6lbs
End weight:
JSF: £0/£2000
'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 -
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 #4 today. I’m reluctant to log any more as I love the ice cream icon!Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
3/15 please @cathybird Thank you.1
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KajiKita said:Not today - will be BACSing the sparky ….
KKSo reclaiming NSD for yesterday (Thursday) but not today as paid sparky, builders merchant account and dentist! 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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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