July 2025 NSD challenge
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Joyful July's No-Spend Days Challenge!
Comments
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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? 🤷♀️
KK1 -
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 = £12,048 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.2 -
Thanks everyone for your well wishes. One yesterday and an early call for today x2
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One debt remaining. Home improvement loan.1 -
One today 191
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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"
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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 = £12,048 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.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? 🤷♀️
KKKK0 -
@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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