July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
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I've dropped the ball this month! Today has been a NSD though3
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Unexpected day 9/8 - I resisted Takeaway Temptation tonight!2
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NSD 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 35 books of target 52 in 2025, as @ 13th 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.2 -
One yesterday & 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 -
Good evening all
@ BridgetTheCat - Congratulations at surpassing your July NSD target! AWESOME! Super going everyone with the NSDs. Every NSD counts even if you don't reach your target, so achieve what you can 
Declaring a NSD 13/07 Monday - I did take babyface for a check up at the Vets but her treatment was part of her Pet Health Plan, so I didn't need to pay anything~ NSD 2025 - NSD July 16/20 (6 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1234.34 / £2025 (58%) (3) 💯💯+# No.12 Save £2 a Day 2025 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 £13,429.74 / £12,000 💯 - Continuing1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
beanielou 14/19
BridgetTheCat 9/8
Caeraugirl 10cathybird 7/15
Changeyourlife25 6/10
Crazybee787 3/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 13/20
Doris17 7/15
InDebtEnby 3/12
IRunFar 10Jay1 2 10/14
KajiKita 12/15
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 -
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 -
All anyone can doThriftymissus said:Two more for me since I last posted, that’s 8 altogether. Just doing my best x 2 -
Not one today, I ended up buying a certain strawberry filled sandwich after being sucked in by the fad! I also got my kids a wallet each- they are out for a birthday party at a theme park on Sunday and they need to take money. These came from my Vinted earnings so I have gone back down the ladder to £75. Going to aim to get back to £100 again by month end x2
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REview of said sandwich?laurenh1 said:Not one today, I ended up buying a certain strawberry filled sandwich after being sucked in by the fad! I also got my kids a wallet each- they are out for a birthday party at a theme park on Sunday and they need to take money. These came from my Vinted earnings so I have gone back down the ladder to £75. Going to aim to get back to £100 again by month end x
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
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