July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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NSD here today 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 28 books of target 52 in 2026 as @ 23rd April.
Produce tracker: £78 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 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
beanielou 15/19
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 4/12
IRunFar 10Jay1 2 10/14
KajiKita 13/15
laurenh1 10/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 8/10
QueenJess 5/15
short bird 10/18
thepurplepixie 6/15
Thriftymissus 9/TF
VickyA 2 5/10
To see the updated results for July on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Thank you Lauren! 💐laurenh1 said:All anyone can do 1 -
One today and my lovely parents treated me to fish and chips. 🤗1 -
4/12 for todayCurrent No Spend Challenge: 13/13
2025 No Spend Days: 51/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
Nsd yesterday and today.
Challenges
NSD - April - 12/10
1. 2026 Mortgage-Free Wannabes #61 £14,031.82/£29,000, MF target May 2026, current mortgage balance - £14,582.78
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - bal £0- fully paid
3.52 Week Envelope Saving Challenge #2 £106/£1,378 -( 1/52)
4. EF - £842
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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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
Early call for day 10!‘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 -
I am sorry to say I wasn't a huge fan, I suspected I wouldn't be when I first saw it advertised, but then, alas, I got caught up in the fanfare of it.beanielou said:
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.3 -
One today which puts me at 10. Hurrah. I have also had a refund of £15 from my children's swimming lessons as they have cancelled Friday's session, I am going to use this to replace some of the money I spent yesterday from my Vinted pot, which is actually now made up of a few different things and not only things I have sold. So my treats pot now sits at £90. I will get a payment next week from interest on one of my savings accounts so this should get me to my £100 aim.3
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