July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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Not Today and not tomorrow, but Sunday is looking goodXXMissions: -
1) Build up an emergency fund (EF) £2000/£3500 By end of 2025!
2) Pay off Mortgage Starting £58000 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.1 -
Not one today. Out for a coffee with friends.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 -
Friday is day 7...‘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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
beanielou 10/19
BridgetTheCat 7/8
Caeraugirl 10cathybird 6/15
Changeyourlife25 4/10
Crazybee787 3/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 11/20
Doris17 7/15
InDebtEnby 2/12
IRunFar 10Jay1 2 7/14
KajiKita 10/15
laurenh1 8/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 4/10
QueenJess 4/15
short bird 7/18
Thriftymissus 6/TF
VickyA 2 5/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Declaring a very early NSD 11/20 Saturday - It's far too hot to spend & I'm still eating strawberries & cream & watching Wimbledon FinalsWishing everyone a Superb NSD Saturday!
~ NSD 2025 - NSD October 19/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1278.68 / £2025 (4) 💯💯💯# No.12 Save £2 a Day 2025 £730/ £730 💯# No.27 Save 1p A Day 2025 £667.95 / £667.95 💯# No.19 52 Week Env Challenge £1378 / £1378 💯# No.34 Save £12k in 2025 £20,075.12 / £12,000 💯 (8) - Continuing1 -
Nsd yesterday.
Challenges
NSD - Oct 13/10
Pay off all your debts by Christmas 2025 #7 £6,500/£6,500 - All gone, paid off.
52 Week Envelope Saving Challenge #7 £1,378/£1,378 -(52/52)
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £27,324.59/£38,000
Mortgage - Jan 2025 £75,600-Current bal £46,226.10 Target MF (Jun 26) 252 days.
Loan - Jan 2025 £4,095 - Current balance £1,799.89
"Look after the pennies and the pounds will look after themselves"
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NSD yesterday and today, just food spending 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Obe today please 🙏 and I think possibly one yesterday but I did buy my son new shoes as his feet have grown. Ill let you decide CB x2
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NSD 7/8 today0
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@laurenh1 I'd normally include clothes purchases as a spend, but in the case of kid's shoes, obviously as you say kids grow, and that makes new shoes unavoidable, so think it's fine to call it an NSD?laurenh1 said:Obe today please 🙏 and I think possibly one yesterday but I did buy my son new shoes as his feet have grown. Ill let you decide CB x xx 1
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