August 2025 NSD challenge
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Awesome August's No-Spend Days Challenge!
Comments
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Sunday was day 16, not sure how today is going to pan out...‘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 -
Thank you KK, you seem to do allright every day with your building up no spends, well done for continuing to plug away at it. I will try my hardest to improve now thank youXXKajiKita said:
I think it’s because we socialise, go out and generally do more, so there are more demands on our funds, whether it’s food because we are out, parking, transport, fuel, presents for hosts etc etc.CrazyBee787 said:Does anyone understand why I have no control over spending in the summer months? Is it because there is general air of spend spend spend, holiday, holiday, holiday. As much as I try to reign in my spending over the summer months I feel often defeated. However now the nights are drawing in I feel I can rein it in again, although sadly not today @cathybird . I don't get it, I try and fail and a lot of the time I just give up, give in and flop. I will try again tomorrow. Feeling useless, redundant and possibly there is an air of optimism lingeringXX
Well done for being able to rein it in over cooler months - it makes no difference here! 😉😂
KKMissions: -
1) Build up an emergency fund (EF) £2000/£3500 By end of 2025!
2) Pay off Mortgage Starting £58000 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.2 -
on that note 6/19 please @cathybird thank youXXMissions: -
1) Build up an emergency fund (EF) £2000/£3500 By end of 2025!
2) Pay off Mortgage Starting £58000 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.1 -
I know cathybird, I need to understand what it is, I am not in the right place to understand I can't sense what it is, I am looking in the dark. Thank you. XXcathybird said:@Crazybee787 I do think there is more of a sense of freedom in the summer but wonder if you can pin down more why it happens for you the way it does? xxxMissions: -
1) Build up an emergency fund (EF) £2000/£3500 By end of 2025!
2) Pay off Mortgage Starting £58000 (11/04/2017) - Current balance £46985.67 (21/10/2025) Unknown time frame? Start coming soon. ( another 5 years?)
3) Improve the number of no spend days.1 -
Reporting 3 days, Sunday, yesterday and today.
Challenges
NSD - Oct 12/10
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 £27,324.59/£38,000
Mortgage - Jan 2025 £75,600-Current bal £46,226.10 Target MF (Jun 26) 252 days.
Loan - Jan 2025 £4,095 - Current balance £1,799.89
"Look after the pennies and the pounds will look after themselves"
1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
August targetsAfdaff 8/10
AuntieL 13/18
beanielou 20/19
Caeraugirl 8/10
cathybird 20/15
Changeyourlife25 3/10
Crazybee787 6/19
Crazycatlady2 15Dizzycap 23/20
Doris17 1/15
Emmel 12InDebtEnby 13/13
Jay1 2 14KajiKita 19/20
laurenh1 14/18
LittleMissDetermined 16/15
Optimistic Saver 18Pinkpieuni 7/10
Prodigal50 2/15
Quantaqa 15/15
QueenJess 12/15
Scrumpy18 10short bird 16/18
thepurplepixie 15Thriftymissus 11/24
VickyA 2 3/10
To see the updated results for August on phone or tablet, click here
🌞 🌞 Newcomers welcome! 🌞 🌞1 -
Declaring a NSD today.2025 decluttering: 5,256 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 406🥉🥈🥇💎🏆Big kitchen declutter challenge 137/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5001
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Not 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.2 -
One today, which takes my total to 100 this yearCurrent No Spend Challenge: 13/13
2025 No Spend Days: 127/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20304 -
NSD Tuesday 😁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/£7002
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