July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
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NSD Sunday here 😊
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,338 Interest saved £5225 to date
Fixed rate 3.85% ends January 2030
Read 36 books of target 52 in 2025, as @ 19th July
Produce tracker: £205 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 -
Declaring a NSD for yesterday, but not one today as DD needed shoes and clothes.2025 decluttering: 3,324🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 280🥉🥈🥇💎🏆
Big kitchen declutter challenge 77/150
2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 I 🥉12 🥈26 🥇52 💎100 🏆2501 -
So I have a few days to claim. 2nd 3rd 5th 6th 11th and 12th. That makes 6 days so far.1
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NSDs for the 10th, 12th and 13th (had a supermarket delivery on the 11th).Toodle-pip :hello:1
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NSD Sunday for a total of 9.‘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 11/19
BridgetTheCat 8/8
Caeraugirl 10cathybird 7/15
Changeyourlife25 6/10
Crazybee787 3/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 12/20
Doris17 7/15
InDebtEnby 2/12
IRunFar 10Jay1 2 10/14
KajiKita 11/15
laurenh1 9/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 6/10
QueenJess 5/15
short bird 9/18
thepurplepixie 6/15
Thriftymissus 8/TF
VickyA 2 5/10
To see the updated results for July on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞2 -
Not today I have gone over budget on grocery shop, naughty me!1
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Not one today, I am buying some wallpaper from Facebook marketplace! It is a bargain though haha and it will keep hubby out of trouble!2
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Nsd for me today.
Challenges
NSD July- 8/10
Pay off all your debts by Christmas 2025 #7 £6,500/£6,500 - All gone, paid off.
52 Week Envelope Saving Challenge #7 £742/£1,378 -(28/52)
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £10,224/£38,000 (mortgage offset)
Mortgage - Jan 2025 £75,600- current bal £66,136 Target MF (Jun 26) 351 days.
Loan - Jan 2025 £4,095 - Current balance £2,531
"Look after the pennies and the pounds will look after themselves"
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Two more for me since I last posted, that’s 8 altogether. Just doing my best x2
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