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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.2 -
1/8 today 😀
In fact I’ve made a net gain since I sold my food processor on marketplace.
I did put some books in my Amazon basket but I have 4 from the library still to read so I’ll hold off until I’m on the last of those 📚🪱3 -
NSD for me 2/15.
"My Life Is About The Journey Not The Destination"2 -
July 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 18BadBookkeeper 15beanielou 2/19
BridgetTheCat 1/8
Caeraugirl 10Changeyourlife25 10cathybird 1/15
Crazybee787 1/19
Crazycatlady2 15cuddlymarm 15CynicalPinnacle 10Dizzycap 2/20
Doris17 2/15
InDebtEnby 12IRunFar 10Jay1 2 2/14
KajiKita 2/15
laurenh1 1/18
library0602 10LittleMissDetermined 15Money Choices 12Optimistic Saver 18Pinkpieuni 1/10
QueenJess 1/15
short bird 18thepurplepixie 15Thriftymissus 2/TF
VickyA 2 1/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Not today I have spent on much needed trainers technically they went on MDs credit card however I will be paying it back, therefore Spend dayXXGoal 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 -
Nsd for me today. Thanks @cathybird as always
Challenges
NSD - January - 1/10
1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,659.62
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)
1 -
NSD number 2 today.1
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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.1 -
Sorry to confuse you Cathybird. That was one NSD, and today was another, so two now.
I was just rambling about doing another NSD challenge (with different criteria) just for myself.Toodle-pip :hello:1
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