July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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NSD 13/8 today. Back at work after 11 days off 😭 but at least there’s no opportunity to spend money.2
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Ah thank you! Yes that’s right for sure.cathybird said:@Thriftymissus you declared 13 yesterday so think today is 14? Let me know if wrong xx
Number 15 today. Declaring early as busy working from home. Bought petrol but don’t count that. And no sneaky chocolate bars falling into my hands.2 -
One Saturday, Sunday and today. X3
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One for me for Saturday, but I forgot to updateCurrent No Spend Challenge: 4/13
2025 No Spend Days: 4/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
Back on it - one today 😊
(I did buy plants but paid cash from my monthly allowance so I’m not counting that 😊)
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.2 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
beanielou 21/19
BridgetTheCat 13/8
Caeraugirl 10cathybird 11/15
Changeyourlife25 7/10
Crazybee787 3/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 20/20
Doris17 7/15
InDebtEnby 7/12
IRunFar 10Jay1 2 10/14
KajiKita 15/15
laurenh1 15/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 8/10
QueenJess 7/15
short bird 12/18
thepurplepixie 6/15
Thriftymissus 15/TF
VickyA 2 5/10
To see the updated results for July on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Not today I connected with an ex collegaue through linked in, this cost £14.99! Although now I realise I could have done it for free another way, I am the prize fool!Goal 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.3 -
Monday was day 12.‘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.3 -
Awesome going with all the NSD folks!
We're smashing July with only 22 weeks remaining before Christmas! 
Declaring a very early full house NSD 20/20 Tuesday! Can't wait to get in that swimming pool!Wishing everyone a Thrashing NSD Tuesday!~ NSD 2026 Challenge January 4/20 (1)# 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 £344.52 / £2026 (1)0 -
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
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