July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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Another one for me yesterday 15/81
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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.1 -
Sending love to you Lauren.2
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I’m on number 17, I’m target-free. Today will be NSD — went to McDonald’s yesterday and bought a soft drink in a pub the day before. Not massive spending I know but not feeling great about the McDonalds spend! Ah well.2
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Declaring a NSD for today.2026 decluttering: 49 🤑
2026 use up challenge: 23
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 I 🥉25 🥈50 🥇100 💎1502 -
NSD here 😊
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 -
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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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
beanielou 24/19
BridgetTheCat 15/8
Caeraugirl 10cathybird 13/15
Changeyourlife25 11/10
Crazybee787 5/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 23/20
Doris17 7/15
InDebtEnby 9/12
IRunFar 10Jay1 2 10/14
KajiKita 16/15
laurenh1 16/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 11/10
QueenJess 9/15
short bird 15/18
thepurplepixie 6/15
Thriftymissus 17/TF
VickyA 2 5/10
To see the updated results for July on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
5/19 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.2 -
Yesterday was a payday so it was a spendy day topping everything up for the start of my month, and today is Norwich pride so I'll definitely be spending.Current No Spend Challenge: 4/13
2025 No Spend Days: 4/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20304
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