July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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Another one for me yesterday 15/81
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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*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.1 -
Sending love to you Lauren.2
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I’m on number 17, I’m target-free. Today will be NSD — went to McDonald’s yesterday and bought a soft drink in a pub the day before. Not massive spending I know but not feeling great about the McDonalds spend! Ah well.2
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Declaring a NSD for today.2025 decluttering: 5,256 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 406🥉🥈🥇💎🏆Big kitchen declutter challenge 137/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002
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NSD here 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 59books of target 52 in 2025, as @ 18th October
Produce tracker: £426 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 -
Nsd for me today
Challenges
NSD - Oct 13/10
Pay off all your debts by Christmas 2025 #7 £6,500/£6,500 - All gone, paid off.
52 Week Envelope Saving Challenge #7 £1,378/£1,378 -(52/52)
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £27,324.59/£38,000
Mortgage - Jan 2025 £75,600-Current bal £46,226.10 Target MF (Jun 26) 252 days.
Loan - Jan 2025 £4,095 - Current balance £1,799.89
"Look after the pennies and the pounds will look after themselves"
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Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
beanielou 24/19
BridgetTheCat 15/8
Caeraugirl 10cathybird 13/15
Changeyourlife25 11/10
Crazybee787 5/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 23/20
Doris17 7/15
InDebtEnby 9/12
IRunFar 10Jay1 2 10/14
KajiKita 16/15
laurenh1 16/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 11/10
QueenJess 9/15
short bird 15/18
thepurplepixie 6/15
Thriftymissus 17/TF
VickyA 2 5/10
To see the updated results for July on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
5/19 Please @cathybird Thank youXXMissions: -
1) Build up an emergency fund (EF) £2000/£3500 By end of 2025!
2) Pay off Mortgage Starting £58000 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.2 -
Yesterday was a payday so it was a spendy day topping everything up for the start of my month, and today is Norwich pride so I'll definitely be spending.Current No Spend Challenge: 13/13
2025 No Spend Days: 127/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20304
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