July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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Morning all
Declaring a NSD 24/20 Saturday - I thought I might be spending to top up a few bits ready for next month, but it's chucking it down & I really can't be bothered
Wishing everyone a Superb NSD Saturday!~ NSD 2026 Challenge January 3/20 (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)1 -
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 -
Spent today on a lovely throw and soap and soap plate and dinner bits, naughty and needed a treatXXGoal 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 -
Hi everyone. MIA on here for a couple of weeks, but I am delighted to be able to add 6 NSDs to the total!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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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
beanielou 25/19
BridgetTheCat 15/8
Caeraugirl 10cathybird 14/15
Changeyourlife25 11/10
Crazybee787 5/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 24/20
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 11/10
To see the updated results for July on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Definitely not today … rather to my resentment…
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 -
Yes there's a shiny new month just round the corner, any thoughts on targets? ...
(I've listed the same targets as this month but pls say if you'd like to aim for something different!) August targetsAuntieL 18beanielou 19BridgetTheCat 8Caeraugirl 10cathybird 15Changeyourlife25 19CrazyBee787 19Crazycatlady2 15Dizzycap 20Doris17 15InDebtEnby 12Jay1 2 14KajiKita 20laurenh1 18LittleMissDetermined 15Optimistic Saver 18Pinkpieuni 10QueenJess 15short bird 18thepurplepixie 15Thriftymissus TFVickyA 2 10🌞 🌞 Everyone welcome to join! 🌞 🌞2 -
@ cathybird - 20, please:-)Thanks for keeping the thread updated daily & all the wonderful emoji~ NSD 2026 Challenge January 3/20 (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)2
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Awww bless, didn’t mean to worry you. Had a frustrating and demoralising day being utterly ripped off at a garden that used to be amazing and now is dreadful and hugely overpriced, along with a really bad lunch (at the same place). It was a tiring day and by the time I got home I was a bit sulky! 😂😉cathybird said:
For August I need to get back on track after letting myself relax a bit in July so back to 20 days please 😊
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
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