July 2025 NSD challenge
We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Joyful July's No-Spend Days Challenge!
Comments
-
Not Today and not tomorrow, but Sunday is looking goodXXGoal 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 -
Not one today. Out for a coffee with friends.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 -
Friday is day 7...‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
beanielou 10/19
BridgetTheCat 7/8
Caeraugirl 10cathybird 6/15
Changeyourlife25 4/10
Crazybee787 3/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 11/20
Doris17 7/15
InDebtEnby 2/12
IRunFar 10Jay1 2 7/14
KajiKita 10/15
laurenh1 8/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 4/10
QueenJess 4/15
short bird 7/18
Thriftymissus 6/TF
VickyA 2 5/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Declaring a very early NSD 11/20 Saturday - It's far too hot to spend & I'm still eating strawberries & cream & watching Wimbledon FinalsWishing everyone a Superb NSD Saturday!
# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £2454.88 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £22 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge 2026 £25/£230 (1)# Make £2026 in 2026 £344.52 / £2026 (1)1 -
Nsd yesterday.
Challenges
NSD - January - 3/10
1. 2026 Mortgage-Free Wannabes #61 £1,129 /£29,000, MF target May 2026, current mortgage balance - £28,756
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)
1 -
NSD yesterday and today, just food spending 😊
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 2 books of target 52 in 2026 as @ 4th January
Produce tracker: £10 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 -
Obe today please 🙏 and I think possibly one yesterday but I did buy my son new shoes as his feet have grown. Ill let you decide CB x2
-
NSD 7/8 today0
-
@laurenh1 I'd normally include clothes purchases as a spend, but in the case of kid's shoes, obviously as you say kids grow, and that makes new shoes unavoidable, so think it's fine to call it an NSD?laurenh1 said:Obe today please 🙏 and I think possibly one yesterday but I did buy my son new shoes as his feet have grown. Ill let you decide CB x xx 1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353K Banking & Borrowing
- 254K Reduce Debt & Boost Income
- 454.8K Spending & Discounts
- 246.1K Work, Benefits & Business
- 602.2K Mortgages, Homes & Bills
- 177.8K Life & Family
- 260K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards