August NSD challenge
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Awesome August's No-Spend Days Challenge!
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one for yesterday 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 -
NSD Sunday here 😊
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 41 books of target 52 in 2025, as @ 9th August
Produce tracker: £272 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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
August targetsAppleADay2024 10AuntieL 6/15
beanielou 18/19
Caeraugirl 4/10
cathybird 2/10Crazycatlady2 8/20
Doris17 6/12
Geriatricmum 5/10
HotDog2020 8/15
ilovetea 12/20
KajiKita 14/18
laura lau 13/18
laurenh 9/18
leftatthetrafficlights 24LittleMissDetermined 13/18
Makingabobor2 7/15
MoneyFreedom24 5/15
Mrs CautiousRupacomp 7/12
Saver-upperSecondStar 7/16
short bird 13/22
Worlds Worst Superhero 17/20
🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
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Another NSD yesterday and an early call for today please 🙏 xx1
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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.2 -
It's one for me today 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 £25712 -
I've been hella busy with work this week, so haven't had the time or opportunity to be tempted to spend, hence another 7 NSD, taking the total up to 17 NSD so far this month 😁
I did venture out to the shops for the weekly grocery shop, and again managed to get £1.50 Lidl fruit & veg box. There was LOADS in it, I could hardly lift it.
Prepped much of it for the freezer and made some delicious soups for weekday lunches.
It's been a great year for blackberries. A couple of foraging walks in the woods has resulted in about 10kg of frozen blackberries in the freezer and a rather scrumptious crumble we had yesterday- together with some of the vegan cream I found in the reduced section in Sainsbury's after Christmas for 1p.
Homemade nut loaf (made using some of the reduced to clear 10p nuts I bought after Christmas and froze!) the bargain veg and foraged blackberry crumble, we had a Sunday dinner that would rival a £40 a head (so £160 for all of us 😲) meal from a gastropub for the princely sum of...... £2.10!
That's just over 50p each 😊
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I had a very busy weekend! Friday and Saturday were both spend days, as I had to prepare food for the garden party I went to on Saturday afternoon. Yesterday and today are NSD, so 2 more NSD for me!
Tomorrow I am going to the office, so it will most probably end up being another spend day. We will see!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/662 -
Another NSD for me today 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
August 2025 NSD Challenge 1/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £97,725
2024 Overpayment = £675.66
2025 Overpayment = £593/£7002
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