📨 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!

13031323436

Comments

  • cathybird
    cathybird Posts: 15,686 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 30 July at 3:22PM
    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
    Quantaqa 15
    QueenJess 15
    short bird 18
    thepurplepixie 15
    Thriftymissus 24
    VickyA 2 10


    🌞 🌞  Everyone welcome to join! 🌞 🌞

  • KajiKita
    KajiKita Posts: 7,850 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    cathybird said:
    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? 🤷‍♀️

    KK
    @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. xx
    Thanks @cathybird 😊 I had no idea I would be waiting that long ….

    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. 
  • short_bird
    short_bird Posts: 4,030 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    And Tuesday was day 18  B)
    ‘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.
  • cathybird
    cathybird Posts: 15,686 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 30 July at 3:18PM
    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 29/19  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 28/20  image  image  image  image  image  image  image


    Doris17 7/15  image  image 


    InDebtEnby 12/12  image  image  image  image 


    Jay1 2 10/14  image  image  image 


    KajiKita 19/15  image  image  image  image  image  image


    laurenh1 19/18  image  image  image  image  image  image


    LittleMissDetermined 15 


    Money Choices 12 


    Optimistic Saver 6/18  image  image 


    Pinkpieuni 14/10  image  image  image  image  image


    QueenJess 9/15  image  image 


    short bird 18/18   image  image  image  image  image 


    thepurplepixie 6/15   image  image 


    Thriftymissus 19/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! 🌞 🌞
  • beanielou
    beanielou Posts: 95,712 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • Dizzycap
    Dizzycap Posts: 1,140 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 30 July at 6:50AM
    Good morning all  <3
    Declaring a NSD Tuesday & 28/20 Wednesday  :) I'm going to do a stock up shop tomorrow so I'll see eveyone on the August Thread!  :D
    Wishing everyone a Welcomed NSD Wednesday  :D<3
    ~ NSD 2025 - NSD August 19/20 (x💯)
    # Spectos/Royal Mail Monitoring and Posting Panel - Ongoing - 1 x £25 Voucher Redeemed, 24 FREE Books of RM Stamps & Presentation Packs.
    ~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺
    ⭐️Completed Challenges 2025:
    # No.36 Make £2025 in 2025 £478.50 / £2025  (4) 💯💯💯
    # No.12 Save £2 a Day 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 £16,543.30 / £12,000 💯 (8) - Continuing (-30p)
  • Quantaqa
    Quantaqa Posts: 161 Forumite
    100 Posts Name Dropper Photogenic
    @cathybird can I rejoin for August please? I'll aim for 15 NSDs. Thanks Q
    Frugal Living challenge 2025
    Grocery Challenge August /£180
    Save £12k in 2025 Challenge - Goal £30k
    August NSD Challenge - 5/15NSDs 
  • laurenh1
    laurenh1 Posts: 1,001 Forumite
    Tenth Anniversary 500 Posts Photogenic Name Dropper
    An early call for today. Just catching up with housework. 

    I managed to get £120 in my Vinted pot this month, hoping to get it to £150  by the end of August. Also sorted my life insurance out so im now paying less per month for a larger payment amount. 

    Also had a go at upcycling some old jars to put tea and coffee into. I've only done one but im really pleased with it so far ☺️ 
  • InDebtEnby
    InDebtEnby Posts: 120 Forumite
    100 Posts Name Dropper Photogenic
    Monday and Tuesday were both NSDs so that 12/12. Today will hopefully be another one.
    August No Spend Challenge: 12/13
    2025 No Spend Days: 99/100
    Bank Loan Original End Date: 08/2030
    Current End Date: 08/2030
  • AuntieL
    AuntieL Posts: 379 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    edited 30 July at 3:30PM
    Back from my holiday 😁 Everyone has been doing so well with their NSDs 🥰 Reporting 2 NSDs (Tuesday and today).
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    August 2025 NSD Challenge 6/18

    MFW 2025 #45
    Jan 2016 Mortgage = £149,895
    Current outstanding = £97,725
    2024 Overpayment = £675.66
    2025 Overpayment = £593/£700
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.