August NSD challenge
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Awesome August's No-Spend Days Challenge!
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Not for me today, I had car parking charges and then I thought I would have a carpet picnic to celebrate my new job, I know I probably should have a watchful eye over funds, I wasn't as naughty as I could have been I almost booked a holiday for next week, my Mum said not to and to get the credit card back in shape, why is she being the sensible one and I be the lacking in financial sense one when it is normally the other way around?...
A plan of action for tomorrow....
1) No Spending
2) Receive groceries at an ungodly hour
3) No Spending
4) Deep Clean and sort one Kitchen Cupboard.
5) No spending!!1 -
NSD Monday 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.2 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
August targetsAppleADay2024 10AuntieL 6/15
beanielou 19/19
Caeraugirl 4/10
cathybird 3/10Crazycatlady2 12/20
Doris17 6/12
Geriatricmum 5/10
HotDog2020 8/15
ilovetea 12/20
KajiKita 15/18
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 -
@HotDog2020 congratulations on your new job, great news xx
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Well done on your new job @HotDog2020. That’s fab news 🥳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 -
Think I've 4 to add please x1
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Thank you @cathybird and @AuntieL I appreciate your congrats...Must try today for no spend...here I go...Thanks.2
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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.1 -
I have spent and I didn't do too well at all really on what I bought. I always think that if I break a day then it is okay to buy choc and crap too. I need to stop this mentality. I bought postage next day for job contracts, then proceeded to buy choc, and I don't want to admit this I spent £10 on scratch cards and won zilch! When will this kind of thing be the end of the problem, I was thinking since I am having a lucky streak that maybe it is my time there too...how wrong can someone be...However if all goes well for the next few months I could be very lucky with the income targets I am hitting. My mission should I choose to accept it is save like crazy and stick to budgets - I will promise to try...that is all I can ask of myself.2
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