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 - £600 / £2,4001 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 4/15beanielou 5/19
Caeraugirl 12cathybird 5/15
Crazycatlady2 4/18Daywon 15Farmers-wife 2GeriatricmumHotDog2020 3/15ilovetea 2/20KajiKita 4/18keggielaconiclaura laulaurenh 2/20leftatthetrafficlights 5/24
LittleMissDetermined 1/15
Makingabobor2 1/15Mrs Cautious 3/26Rupacomp 4/15Saver-upperSecondStar 4/TFshort bird 3/18Tiangfeng2022Worlds Worst Superhero 4/20🌞 🌞 Newcomers welcome! 🌞 🌞0 -
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 Rupacomp
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Declaring very early (!😳) 5/24 please 😁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'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)
June 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £529/£7001 -
3/15 please @cathybird Thank you.1
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Rescinded - too tired to set up a new payee yesterday evening!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 15.07.25:
- 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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