July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
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Hi Guys I thought I would weigh in maybe today or yesterday was not a no spend day because of the brekkie, however when you purchased the air con originally was that the only thing you purchased that day?KajiKita said: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? 🤷♀️
KKMission Number One: Get a job!
Mission Number Two: Get a lodger!
Mission Number Three: Clear debt, starting balance: £1997.17, balance now: £1800.00
Mission Number Four: Keep Job!
Once accomplished all four missions come back and start new missions!1 -
I paid for the air con a week ago and yes, that was the only thing I spent on that day.CrazyBee787 said:
Hi Guys I thought I would weigh in maybe today or yesterday was not a no spend day because of the brekkie, however when you purchased the air con originally was that the only thing you purchased that day?KajiKita said: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? 🤷♀️
KKKKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2025, as @ 13th September
Produce tracker: £389 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 -
Thanks everyone for your well wishes. One yesterday and an early call for today x2
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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 -
One today 191
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Nsd today.
Challenges
NSD - Sept 11/10
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 £21,284/£38,000
Mortgage - Jan 2025 £75,600-Current bal £52,516 Target MF (Jun 26) 289 days.
Loan - Jan 2025 £4,095 - Current balance £2,054
"Look after the pennies and the pounds will look after themselves"
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NSD here 😊
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 50 books of target 52 in 2025, as @ 13th September
Produce tracker: £389 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 -
Then I think you should be able to add a no spend day based on the fact that you got a refund. But ultimately it is down to @cathybird and yourselfXXKajiKita said:
I paid for the air con a week ago and yes, that was the only thing I spent on that day.CrazyBee787 said:
Hi Guys I thought I would weigh in maybe today or yesterday was not a no spend day because of the brekkie, however when you purchased the air con originally was that the only thing you purchased that day?KajiKita said: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? 🤷♀️
KKKKMission Number One: Get a job!
Mission Number Two: Get a lodger!
Mission Number Three: Clear debt, starting balance: £1997.17, balance now: £1800.00
Mission Number Four: Keep Job!
Once accomplished all four missions come back and start new missions!0 -
@KajiKita I think b/c the three-hour wait was not something you had a choice about or were presumably told would happen, and the brekkie was your only spend that it's probably OK to call it an NSD. xxKajiKita said: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? 🤷♀️
KK1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
beanielou 28/19
BridgetTheCat 17/8
Caeraugirl 10cathybird 16/15
Changeyourlife25 11/10
Crazybee787 5/19
Crazycatlady2 3/15
Dizzycap 25/20
Doris17 7/15
InDebtEnby 10/12
Jay1 2 10/14
KajiKita 19/15
laurenh1 18/18
LittleMissDetermined 15Money Choices 12Optimistic Saver 6/18
Pinkpieuni 14/10
QueenJess 9/15
short bird 17/18
thepurplepixie 6/15
Thriftymissus 19/TF
VickyA 2 11/10
To see the updated results for July on phone or tablet, click here
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