July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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Today (6th) is a NSD, yesterday wasn't.
I could have counted yesterday as a NSD because it was only suncream (ie medical) and food/drink but as I was out being sociable I am counting it.
I went for a walk and ended up here. https://www.bbc.co.uk/news/articles/c628y5l1j66o
A beautiful 11th century building but because it is a Sam Smith pub, no photos.Toodle-pip :hello:2 -
NSD here today, number 5 I think 😊
KKAs at 15.12.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £227,385
- 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 1 books of target 52 in 2026 as @ 1st January
Produce tracker: £8 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.1 -
@ Jay1_2 - "No sorry, no idea of quantities, just make it look like a giant jam tart."
- Love it! That's the way it should be, too! 
Nice walk in Darley Abbey to the Sam Smith pub! Got to be done when being sociable # No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £0 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £20 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge for 2026 £25/£230 (1)# Make £2026 in 2026 £328.94 / £2026 (1)2 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
BadBookkeeper 15beanielou 6/19
BridgetTheCat 3/8
Caeraugirl 10cathybird 5/15
Changeyourlife25 3/10
Crazybee787 2/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 6/20
Doris17 7/15
InDebtEnby 2/12
IRunFar 10Jay1 2 4/14
KajiKita 5/15
laurenh1 4/18
library0602 10LittleMissDetermined 15Money Choices 12Optimistic Saver 4/18
Pinkpieuni 2/10
QueenJess 2/15
short bird 4/18
thepurplepixie 15Thriftymissus 4/TF
VickyA 2 3/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
One today, number 4.1
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Nsd for me today.
Challenges
NSD - January - 1/10
1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,659.62
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - Current balance £1,029.22
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
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Good morning allIt's a NSD 6/20 Monday hereWishing everyone a Manic NSD Monday! # No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £0 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £20 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge for 2026 £25/£230 (1)# Make £2026 in 2026 £328.94 / £2026 (1)2
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One for today please. I will need to pay for parking at the hospital later when I go and visit my Dad but counting this as a necessary expense.3
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NSD for me 7/15.
"My Life Is About The Journey Not The Destination"2 -
Not today, I really want to add to the No spend pot, but I thought I better get a few ingredients to make the curry I made more palletable, plus since I was spending poppadoms (I really fancied some) plus dare I say for fear of judgement 😂😂😂 Pastry so I can have another bash at treacle tart!! Have a good day allXXGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 0
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 1K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one.1
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