June 2025 NSD challenge
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Jubilant June's No-Spend Days Challenge!
Comments
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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 -
Declaring early for today 😊
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 7 books of target 52 in 2026 as @ 23rd January
Produce tracker: £29 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
Number 8 for me today.Very impressed with myself as never done this many in a row at the start of a month before 🤣 it does involve the use of gift cards received though.All regular standing orders and direct debits continuing in the background, I don’t count them.Going away later this month so wanted to go full on non-spendy mode before that.
also my cash flow from self employment is dreadful so am being very sensible to do this.
Good luck all and thank you @cathybird ❤️5 -
Nsd for me today.
Challenges
NSD - January - 8/10
1. 2026 Mortgage-Free Wannabes #61 £1,269 /£29,000, MF target May 2026, current mortgage balance - £28,616.15
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
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Day 5 yesterday, hoping for day six today but I am craving some chocolate so not sure if I can stay strong.4
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Hi, apologies I've not been on and updated for a few days. I had a NSD on the 4th and then again yesterday (as only groceries bought, and today is one as well. So my total now is 5 NSDs out of 12.Frugal Living challenge 2026
Ssve £12k in 2026
Grocery Challenge January 20263 -
Hi
One for me today please
Pay off by Xmas 2026 £175/£2324.67
January NSDs 12/15
January PADs £565
January grocery challenge £94.86/£1502 -
I seem to be in a bit of spend on myself habit - today was a delicious sandwich then, I bought bargain basement house shoes & Screen wash, then I went to get a few groceries, then I went to get a rather expensive dinner for tonight for me and roomie. I really need to turn the tide and reign it in somewhat the coming week. That will be my mission. let me see (m, t, w, t, f, 5 plus 1) Try to get to 6 by the weekend. Have good evenings allXXGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 6/15
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 2.3K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one? Do I?3 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
June targetsAuntieL 2/18
BadBookkeeper 1/15
beanielou 8/19
Caeraugirl 10cathybird 6/15
Crazybee787 1/19
Crazycatlady2 2/15
cuddlymarm 5/15
Dizzycap 8/20
Doris17 6/15
InDebtEnby 1/10
Jay1 2 1/14
KajiKita 5/20
laurenh1 15library0602 2/10
LittleMissDetermined 4/15
Optimistic Saver 5/18
Pinkpieuni 4/10
Quantaqa 5/12
QueenJess 2/15
SecondStar 15short bird 5/18
thepurplepixie 5/15
Thriftymissus 8/21
VickyA 2 2/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Finally managing to check in for the first time this month, 2 NSDs for me, it should be a pretty quiet month……. Famous last words 🙄3
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