July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
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Not today.
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: £223 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 -
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.#21 Save £12k in 2025 £12577.35/£20000
July NSD Challenge 0/103 -
Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =July targetsAuntieL 2/18beanielou 19/19BridgetTheCat 11/8Caeraugirl 10cathybird 10/15Changeyourlife25 7/10Crazybee787 3/19Crazycatlady2 3/15cuddlymarm 15CynicalPinnacle 10Dizzycap 18/20Doris17 7/15InDebtEnby 6/12IRunFar 10Jay1 2 10/14KajiKita 14/15laurenh1 12/18LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18Pinkpieuni 8/10QueenJess 6/15short bird 11/18thepurplepixie 6/15Thriftymissus 13/TFVickyA 2 5/10To 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!~ NSD 2025 - NSD July 19/20 (6 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - Ongoing~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1634.34 / £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 💯 - Continuing2 -
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.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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