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Joyful July's No-Spend Days Challenge!
Comments
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Spending day today. Haircut and I might get some strawberries and cream for dessert tonight and tomorrow while I’m out.1
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NSD for me. 4/15
"My Life Is About The Journey Not The Destination"1 -
Friday was day 3...‘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 -
Great going everyone!
It's a spend day for me today as I've got 2 invoices to pay. I'll be back on the NSD fast train tomorrowWishing everyone a Super NSD Saturday!
** For some reason, I seem to be thinking about treacle tart all day# 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 £328.94 / £2026 (1)2 -
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 -
2/19 Please @cathybird, Thank youXXGoal 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 Jay, I am trying to re-create my grans recipe, I have almost got it now, I just need to add more syrup. Recipe includes Golden syrup, Lemon juice, pastry and cornflakes. The first attempt I mistakenly added the flakes to the syrup and lemon mixture and all the cornflakes softened. I now have a crunch because I have poured the syrup over the flakes instead, however now there is not enough syrup. Yes it is sweet but Gran did such a good job of it when I was younger I really enjoyed it and wanted to recreate it - we no longer have the exact recipe sadly. Do you happen to know the quantities? Thanks.Jay1_2 said:
How are you making treacle tart? My mum used to make them when she had left over pastry - well they were golden syrup tarts really.CrazyBee787 said:Not today, I wanted to try again at making treacle tart so when out for ingredients and bought lunch tooXX
Pastry base, then sprinkle some crushed weetabix or crushed shreaded wheat in it then fill with golden syrup and bake till the pastry is done. My dad really liked them, I thought they were OK - a bit sweet for me even as a child.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.1 -
NSD Saturday 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
January 2026 NSD Challenge 1/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £92,396.89 (10years 4months))
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £44.43/ £10001 -
July 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
BadBookkeeper 15beanielou 5/19
BridgetTheCat 3/8
Caeraugirl 10Changeyourlife25 2/10
cathybird 4/15
Crazybee787 2/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 4/20
Doris17 4/15
InDebtEnby 2/12
IRunFar 10Jay1 2 3/14
KajiKita 4/15
laurenh1 2/18
library0602 10LittleMissDetermined 15Money Choices 12Optimistic Saver 4/18
Pinkpieuni 1/10
QueenJess 2/15
short bird 3/18
thepurplepixie 15Thriftymissus 3/TF
VickyA 2 3/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Not today 😉🤷♀️
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
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