📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Joyful July's No-Spend Days Challenge!

13032343536

Comments

  • Pinkpieuni
    Pinkpieuni Posts: 152 Forumite
    100 Posts Name Dropper Photogenic
    Nsd today 

    Challenges

    NSD August- 4/10

    Pay off all your debts by Christmas 2025 #7 £6,500/£6,500 - All gone, paid off.

    52 Week Envelope Saving Challenge #7  £848/£1,378 -(32/52)

    The Save £12k in 2025 challenge #4 £12,317/£30,500

    2025 Mortgage-Free Wannabes #61 £13,852/£38,000 (mortgage offset)

    Mortgage -  Jan 2025 £75,600- current bal £65,895 Target  MF (Jun 26) 314 days.

    Loan  - Jan 2025 £4,095 - Current balance £2,309

    "Look after the pennies and the pounds will look after themselves"

  • BridgetTheCat
    BridgetTheCat Posts: 149 Forumite
    100 Posts Photogenic Name Dropper
    One yesterday and one today, for a total of 17 so far. I’m going to bow out for next month and the foreseeable future. I really only did it this month to prove to myself that I’m not a big spender, which I think I’ve done given that I smashed my target despite a 10 day holiday this month.
  • cathybird
    cathybird Posts: 15,686 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @BridgetTheCat thanks for joining us for this month! Come back anytime xx :):)
  • cathybird
    cathybird Posts: 15,686 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 29 July at 6:40PM
    July 2025 NSD challenge


    Off to a start = image 

    5 days = image 

    10 days = image 

    15 days = image 

    20 days = image 

    Target reached = image 

    Target beaten = image


    July targets


    AuntieL 2/18  image 


    beanielou 27/19  image  image  image  image  image  image  image


    BridgetTheCat 17/8  image  image  image  image  image  image


    Caeraugirl 10 


    cathybird 16/15  image  image  image  image  image  image


    Changeyourlife25 11/10  image  image  image  image  image


    Crazybee787 5/19  image  image 


    Crazycatlady2 3/15  image 


    Dizzycap 25/20  image  image  image  image  image  image  image


    Doris17 7/15  image  image 


    InDebtEnby 10/12  image  image  image 


    Jay1 2 10/14  image  image  image 


    KajiKita 17/15  image  image  image  image  image  image


    laurenh1 16/18  image  image  image  image 


    LittleMissDetermined 15 


    Money Choices 12 


    Optimistic Saver 6/18  image  image 


    Pinkpieuni 13/10  image  image  image  image  image


    QueenJess 9/15  image  image 


    short bird 17/18   image  image  image  image 


    thepurplepixie 6/15   image  image 


    Thriftymissus 18/TF   image  image  image  image 


    VickyA 2 11/10   image  image  image  image  image



    To see the updated results for July on phone or tablet, click here :)


    🌞 🌞  Newcomers welcome! 🌞 🌞
  • cathybird
    cathybird Posts: 15,686 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 29 July at 6:41PM
    image

    Yes there's a shiny new month just round the corner, any thoughts on targets? ... image (I've listed the same targets as this month but pls say if you'd like to aim for something different!)

    August targets

    AuntieL 18
    beanielou 19
    Caeraugirl 10
    cathybird 15
    Changeyourlife25 19
    CrazyBee787 19
    Crazycatlady2 15
    Dizzycap 20
    Doris17 15
    InDebtEnby 12
    Jay1 2 14
    KajiKita 20
    laurenh1 18
    LittleMissDetermined 15
    Optimistic Saver 18
    Pinkpieuni 10
    QueenJess 15
    short bird 18
    thepurplepixie 15
    Thriftymissus 24
    VickyA 2 10


    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • KajiKita
    KajiKita Posts: 7,849 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Not sure about today …

    I had a refund on the air con gassing for my car but that meant a three hour wait so I had to buy breakfast in town. Does that make it an NSD or not? 🤷‍♀️

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 44 books of target 52 in 2025, as @ 21st August
    Produce tracker: £299 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. 
  • InDebtEnby
    InDebtEnby Posts: 120 Forumite
    100 Posts Name Dropper Photogenic
    I only paid for a prescription today so I'm claiming today as 10/12
    August No Spend Challenge: 12/13
    2025 No Spend Days: 99/100
    Bank Loan Original End Date: 08/2030
    Current End Date: 08/2030
  • cathybird
    cathybird Posts: 15,686 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    @KajiKita, I think I would be inclined to count that but on the other hand it was a situation you were landed in so not sure! I'll have a think. xx :)
  • Thriftymissus
    Thriftymissus Posts: 281 Forumite
    100 Posts Photogenic Name Dropper
    edited 28 July at 11:03PM
    Hello…today was an NSD. Yesterday wasn’t. So I’m at number 18.

    this is low for me believe it or not but I’ve had two trips to the Golden Arches this month!! I’ve not done that for years! And I’ve also bought my own drink in a pub👀🤣🤣🤣 I’ve got away with other people paying for a long time 🤗🤦🏻‍♀️

    Today I had a very posh lunch provided as part of a work event and was given a promotional Costa iced latte at the station so jumped at that! I had been given a £5 M&S voucher for doing a survey so used that for some far too moreish caramel chocolate tea cakes so don’t count that. 😍

    Still, next month I’d like to rein in my spending a bit and go for 24 as my target.*

     I’m dead proud of me that I’ve not bought any clothes this year so am determined to continue with that. 

    *for me, it’s genuinely a lot easier on this challenge as my partner does the weekly shop with a set monthly contribution from me and my grown up children are living in different cities and earning x 

    Thanks to everyone on here for the continued inspiration and thank you @cathybird for all you do to keep this going, it definitely helps me. 💕
  • short_bird
    short_bird Posts: 4,030 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Monday was day 17.
    ‘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.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.5K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.