July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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Nsd today
Challenges
NSD - January - 1/10
1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,557.64
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - Current balance £1,029.22
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
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One yesterday and one today, for a total of 17 so far. I’m going to bow out for next month and the foreseeable future. I really only did it this month to prove to myself that I’m not a big spender, which I think I’ve done given that I smashed my target despite a 10 day holiday this month.4
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1
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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 27/19
BridgetTheCat 17/8
Caeraugirl 10cathybird 16/15
Changeyourlife25 11/10
Crazybee787 5/19
Crazycatlady2 3/15
Dizzycap 25/20
Doris17 7/15
InDebtEnby 10/12
Jay1 2 10/14
KajiKita 17/15
laurenh1 16/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 13/10
QueenJess 9/15
short bird 17/18
thepurplepixie 6/15
Thriftymissus 18/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 19Caeraugirl 10cathybird 15Changeyourlife25 19CrazyBee787 19Crazycatlady2 15Dizzycap 20Doris17 15InDebtEnby 12Jay1 2 14KajiKita 20laurenh1 18LittleMissDetermined 15Optimistic Saver 18Pinkpieuni 10QueenJess 15short bird 18thepurplepixie 15Thriftymissus 24VickyA 2 10🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
Not sure about today …
I had a refund on the air con gassing for my car but that meant a three hour wait so I had to buy breakfast in town. Does that make it an NSD or not? 🤷♀️
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.1 -
I only paid for a prescription today so I'm claiming today as 10/12Current No Spend Challenge: 2/13
2025 No Spend Days: 2/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
Hello…today was an NSD. Yesterday wasn’t. So I’m at number 18.
this is low for me believe it or not but I’ve had two trips to the Golden Arches this month!! I’ve not done that for years! And I’ve also bought my own drink in a pub👀🤣🤣🤣 I’ve got away with other people paying for a long time 🤗🤦🏻♀️
Today I had a very posh lunch provided as part of a work event and was given a promotional Costa iced latte at the station so jumped at that! I had been given a £5 M&S voucher for doing a survey so used that for some far too moreish caramel chocolate tea cakes so don’t count that. 😍Still, next month I’d like to rein in my spending a bit and go for 24 as my target.*I’m dead proud of me that I’ve not bought any clothes this year so am determined to continue with that.*for me, it’s genuinely a lot easier on this challenge as my partner does the weekly shop with a set monthly contribution from me and my grown up children are living in different cities and earning x
Thanks to everyone on here for the continued inspiration and thank you @cathybird for all you do to keep this going, it definitely helps me. 💕2 -
Monday was day 17.‘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
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