July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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Nsd for me today .
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)
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Let's make Wednesday day 14.‘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 -
A little late than usual -Declaring a NSD 21/20 Wednesday - whoo hoo!
Wishing everyone a Wonderful NSD Wednesday
# 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)1 -
Not today …
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 14/8
Caeraugirl 10cathybird 12/15
Changeyourlife25 11/10
Crazybee787 4/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 22/20
Doris17 7/15
InDebtEnby 8/12
IRunFar 10Jay1 2 10/14
KajiKita 15/15
laurenh1 16/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 10/10
QueenJess 8/15
short bird 14/18
thepurplepixie 6/15
Thriftymissus 16/TF
VickyA 2 5/10
To see the updated results for July on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞0 -
Not today as I had to bribe myself to go for a runCurrent No Spend Challenge: 4/13
2025 No Spend Days: 4/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20303 -
Declaring an early 22/20 NSD Thursday - I'm far too tired at the moment to even think about spending.Wishing everyone a Toughtful NSD Thursday!# 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)1
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4/19 Please @cathybird Thank youXXGoal 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 -
One today please. My dad passed on sunday night, I have spent a few days doing very little but getting a few jobs sorted this morning.5
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Declaring a NSD for yesterday. Probably only got another 1 left for this month as I've got things planned for the summer holidays. Will be trying again for August!2026 decluttering: 49 🤑
2026 use up challenge: 23
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 I 🥉25 🥈50 🥇100 💎1502
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