July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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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 -
Good morning all
Declaring an early NSD 25/20 Sunday
Another pottering around day xxWishing everyone a Sassy NSD Sunday!
See you all over on the NSD August Thread # No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £2454.88 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £30 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge 2026 £25/£230 (1)# Make £2026 in 2026 £834.42 / £2026 (1)1 -
Nsd for me today. Thanks @cathybird for updating. I'm happy with 10, hard not to spend when the kids re off school even though we have a very tight August budget.
Challenges
NSD - January - 8/10
1. 2026 Mortgage-Free Wannabes #61 £1,269 /£29,000, MF target May 2026, current mortgage balance - £28,616.15
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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Looks like day 16 as the cinema's screening times don't quite fit around when I finish work.‘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.2 -
Not today I have splurged on cake making things and lunch and naughty sctach cards, I am up a pound only from the cards!Goal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 6/15
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 2.3K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one? Do I?2 -
NSD here today 😊👏
KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- 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 7 books of target 52 in 2026 as @ 23rd January
Produce tracker: £29 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 27/19
BridgetTheCat 15/8
Caeraugirl 10cathybird 15/15
Changeyourlife25 11/10
Crazybee787 5/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 25/20
Doris17 7/15
InDebtEnby 9/12
IRunFar 10Jay1 2 10/14
KajiKita 17/15
laurenh1 16/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 12/10
QueenJess 9/15
short bird 16/18
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! 🌞 🌞1 -
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! 🌞 🌞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.2 -
Hi @cathybird I would like to go ahead with 19 for August thank you. Enjoy the beggining to a what I am sure will be a fantastic weekXXGoal 1: Get a permenant job that sticks.
Goal 2: Aim 15 No spend days in January or above actual so far - 6/15
Goal 3: Get a lodger
Goal 4: Once goal 1 & 3 complete add 2.3K to the EF
Goal 5: Once goal 4 complete save for my own car as I do need one? Do I?1
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