August 2025 NSD challenge
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Awesome August's No-Spend Days Challenge!
Comments
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First no spend day yesterday :-)Jan 2022
Owed approx 70,000 in consumer debt
Dec 2024/August 2025
Loan 1 4750/0
Loan 2 10690/0
Card 1 10764/7578
Card 2 5674/4230
Card 3 5158/0
Total 37036/11803
Emergency Fund 0/2000
2022 Over 70k debt. Time to change!
2022-25 Paying off debt.
2025 Cash lump sum used to pay down debt quicker than hoped.
2025+???? Stay happy and in control of my finances1 -
One today please
off out for tea tonight but my friend is treating me
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Not today or yesterday, MOT and snacks and take out yesterdayXXMissions: -
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 -
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 😊
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 -
Declaring a 7/20 NSD Thursday~ NSD 2025 - NSD October 19/20 (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) - Continuing1
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Off to a start =5 days =10 days =15 days =20 days =Target reached =Target beaten =August targetsAfdaff 2/10AuntieL 18beanielou 7/19Caeraugirl 3/10cathybird 7/15Changeyourlife25 2/10Crazybee787 3/19Crazycatlady2 15Dizzycap 7/20Doris17 1/15Emmel 12InDebtEnby 5/13Jay1 2 14KajiKita 5/20laurenh1 6/18LittleMissDetermined 5/15Optimistic Saver 18Pinkpieuni 1/10Prodigal50 1/15Quantaqa 3/15QueenJess 1/15Scrumpy18 10short bird 5/18thepurplepixie 15Thriftymissus 3/24VickyA 2 1/10To see the updated results for August on phone or tablet, click here🌞 🌞 Newcomers welcome! 🌞 🌞1
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May I join in a little late, as a first timer? I’m going to try for 10 NSD and have managed my first two yesterday and today.2
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Another one for meCurrent No Spend Challenge: 16/13
2025 No Spend Days: 130/150
Bank Loan Original End Date: 08/2030
Current End Date: 08/20301 -
hi Afdaff
and welcome
to our lovely thread! I've added you to the list, hope you enjoy the challenge!
1
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