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Joyful July's No-Spend Days Challenge!
Comments
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Spending day today. Haircut and I might get some strawberries and cream for dessert tonight and tomorrow while I’m out.1
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NSD for me. 4/15
"Make Everyday Count"1 -
Friday was day 3...‘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.1 -
Great going everyone!
It's a spend day for me today as I've got 2 invoices to pay. I'll be back on the NSD fast train tomorrowWishing everyone a Super NSD Saturday!
** For some reason, I seem to be thinking about treacle tart all day~ NSD 2025 - NSD October 18/20 (9 x💯)# Spectos/Royal Mail Monitoring and Posting Panel - On Rest - 2 x £25 Vouchers Redeemed, 29 FREE Books of RM Stamps & Presentation Pack.~ Totally FREE Christmas 2025 - 🎁✉️🏷🎀💐🪪🗒🧺⭐️Completed Challenges 2025:# No.36 Make £2025 in 2025 £1278.68 / £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 £20,075.12 / £12,000 💯 (8) - Continuing2 -
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 -
2/19 Please @cathybird, Thank youXXMissions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.1 -
Hi Jay, I am trying to re-create my grans recipe, I have almost got it now, I just need to add more syrup. Recipe includes Golden syrup, Lemon juice, pastry and cornflakes. The first attempt I mistakenly added the flakes to the syrup and lemon mixture and all the cornflakes softened. I now have a crunch because I have poured the syrup over the flakes instead, however now there is not enough syrup. Yes it is sweet but Gran did such a good job of it when I was younger I really enjoyed it and wanted to recreate it - we no longer have the exact recipe sadly. Do you happen to know the quantities? Thanks.Jay1_2 said:
How are you making treacle tart? My mum used to make them when she had left over pastry - well they were golden syrup tarts really.CrazyBee787 said:Not today, I wanted to try again at making treacle tart so when out for ingredients and bought lunch tooXX
Pastry base, then sprinkle some crushed weetabix or crushed shreaded wheat in it then fill with golden syrup and bake till the pastry is done. My dad really liked them, I thought they were OK - a bit sweet for me even as a child.Missions for the rest of the year:-
1) Build up an emergency fund (EF)
2) Improve spending habits.
3) Create a budget that is compatible to me.
4) Buy healthier snacks to avoid junk food splurges.1 -
NSD Saturday 😁Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
October 2025 NSD Challenge 10/18MFW 2025 #45
Jan 2016 Mortgage = £149,895
Current outstanding = £94,306.78
2024 Overpayment = £675.66
2025 Overpayment = £645/£7001 -
July 2025 NSD challengeOff to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
July targetsAuntieL 2/18
BadBookkeeper 15beanielou 5/19
BridgetTheCat 3/8
Caeraugirl 10Changeyourlife25 2/10
cathybird 4/15
Crazybee787 2/19
Crazycatlady2 3/15
cuddlymarm 15CynicalPinnacle 10Dizzycap 4/20
Doris17 4/15
InDebtEnby 2/12
IRunFar 10Jay1 2 3/14
KajiKita 4/15
laurenh1 2/18
library0602 10LittleMissDetermined 15Money Choices 12Optimistic Saver 4/18
Pinkpieuni 1/10
QueenJess 2/15
short bird 3/18
thepurplepixie 15Thriftymissus 3/TF
VickyA 2 3/10
To see the updated results for June on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Not today 😉🤷♀️
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.1
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