July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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Kicking off the month with NSD 1.

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If it was me I would say keep it as a spend day because if every time we say we spent on things we needed we may have 31 no spend days in July! For example I need a bathroom cabinet, yet I would put this as spend day as I did! This makes you more thoughful of the days you spend and what you spend on, in my view. However I am not the be all and end all judge and others may feel differently. Also the fact that it has a medical need may well be classed as a medical essential in which case potentially you could count as No spend. I think @cathybird will have the last say.QueenJess said:I usually don't count necessities as a spend day like food or medicine unless I am frivolously buying. Today I bought myself what is effectively a car booster seat for adults as I am too short to sit comfortably in DH's car. When we go on slightly longer drives (or holiday) in his car, it really hurts my back as the lumber support digs into my middle back and forces me to continually arch. I often sit on a coat or a blanket, which is a bit hit and miss. Given we are driving 4 hours to holiday, I decided to fork out on a comfy seat for myself so I can be backache free.Not planning on any other purchases, so do I count this as a NSD? Need a quick show of hands
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.0 -
Yay well done cathybird me too for No spend day Numero uno!!XXcathybird said:Kicking off the month with NSD 1.
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.2 -
Well, I'm off to a flying start: No spend day for me today. This is huge as I'm working part time (as of yesterday!), so I'm really having to be even more careful with my spending.Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 #18 £2021.83 declared2
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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 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.3 -
NSD for me today 👍3
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I would say yes, as it's a physical necessity to remain healthy & sane long term when travelling, unlike a one time new dress to look/feel good!QueenJess said:I usually don't count necessities as a spend day like food or medicine unless I am frivolously buying. Today I bought myself what is effectively a car booster seat for adults as I am too short to sit comfortably in DH's car. When we go on slightly longer drives (or holiday) in his car, it really hurts my back as the lumber support digs into my middle back and forces me to continually arch. I often sit on a coat or a blanket, which is a bit hit and miss. Given we are driving 4 hours to holiday, I decided to fork out on a comfy seat for myself so I can be backache free.Not planning on any other purchases, so do I count this as a NSD? Need a quick show of hands
# 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 £318.94 / £2026 (1)2 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 18BadBookkeeper 15beanielou 1/19
BridgetTheCat 8Caeraugirl 10Changeyourlife25 10cathybird 1/15
Crazybee787 1/19
Crazycatlady2 15cuddlymarm 15CynicalPinnacle 10Dizzycap 2/20
Doris17 1/15
InDebtEnby 12IRunFar 10Jay1 2 1/14
KajiKita 1/15
laurenh1 1/18
library0602 10LittleMissDetermined 15Money Choices 12Optimistic Saver 18Pinkpieuni 10QueenJess 1/15
short bird 18thepurplepixie 15Thriftymissus 1/TF
VickyA 2 1/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Declaring a NSD 2/20 Wednesday
I just have to laugh at the first emoji:
Whilst I think it's a white flag being waved my humour goes for a piece of white underware! Obviously, we are all off to a flying start
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 £318.94 / £2026 (1)1 -
Thank you for including me for another month. I am going to be so much better at updating this month.
Yes 14 No Spending Days. Except for medical stuff and direct debits, I won't count those as spending. I do count buying food (a big reason for doing this is to stop me buying sandwiches when I'm at work) but I will be keeping two totals this month because I'm curious about how often I buy food.
But on the 1st I didn't buy anything. So 1 NSD and 1 NSonfoodD too. 🥳Toodle-pip :hello:2
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