July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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Not 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 -
Not today, I keep eating breakfast baps and getting them on the credit card, I am very bad and can't seem to stop myselfXX1
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I've been AWOL from both this NSD challenge and the forum as a whole for a while. We've had a couple of very spendy months (including unexpectedly having to help out with DS car purchase
) but the fact that I've also been avoiding updating my YNAB and have fallen foul of my overdraft twice this month has finally rung alarm bells for me!
Summer is always expensive for us, with both DS's home from Uni and eating us out of house and home. As we're also in the middle of a very spendy garden project, DS1 has now finished Uni and trying to find a job, and DS2 needs to find a Masters course AND accommodation, it really is time for me to get my head out of the sand!
So while I've probably had a couple of NSDs this month, I'm resetting today. I had to buy some paving slabs this morning so currently still on 0/10, but I'm going to see how many I can clock for the rest of the month.#15 Save £12k in 2026 £6000/£120003 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
beanielou 19/19
BridgetTheCat 11/8
Caeraugirl 10cathybird 10/15
Changeyourlife25 7/10
Crazybee787 3/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 18/20
Doris17 7/15
InDebtEnby 6/12
IRunFar 10Jay1 2 10/14
KajiKita 14/15
laurenh1 12/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 8/10
QueenJess 6/15
short bird 11/18
thepurplepixie 6/15
Thriftymissus 13/TF
VickyA 2 5/10
To see the updated results for July on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
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Good luck @Caeraugirl sounds like you’re spending for so many good reasons ❤️4
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One for me today, number 13. Been out to theatre with tickets I bought ages ago and a lovely meal which was my partner’s turn to buy ❤️👀4
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Good morning all
I can't believe how fast this month has gone! 22 weeks before Christmas! 
Declaring a very early NSD 18/20 Sunday - Day of catching up with HH chores & restWishing everyone a Saintly NSD Sunday!
# No.2 Save 1p A Day Challenge 2026 £236.68 / £667.95 (4)# No.4 Save £12k in 2026 £6,234.25 / £12,000 (4)# No.4 £2 Savers Club 2026 - (25/12 - 24/10) £100 / £200 (4)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £60+ / £400 (4)# No.5 Fiver Friday Challenge 2026 £85/£230 (4)# Make £2026 in 2026 £1934.27 / £2026 (4)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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.3 -
Hello, day 11!‘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
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