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Joyful July's No-Spend Days Challenge!
Comments
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I have had a spendy week so I need to get back on the NSD horse!
Current No Spend Challenge: 9/13
2025 No Spend Days: 89/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
July totals updated here
0 -
I resisted Tr0pic temptation, so another for today 😊
KK
As at 16.07.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £213,042
- OPs to mortgage = £19,809 Estd. interest saved = £10,180 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 51 books of target 52 in 2026 as @ 20th July.
Produce tracker: £180 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
spend day today, treat for after my hospital procedure 👍🏻
#no 3 Debts off by Xmas 2026 £1500/£12,500NSD June 23/22
#no 13 365 days 1p challenge 2026 Jan Feb March April May June paid
#no 2 £2 coin savers challenge 2026
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £12,500
1% challenge = £12,500
1% - £125 12%
loan 6% £110003 -
One for me too please.
GC 2022 = £3154.96 , 2023 = £3334. 841
2024 = £.3221.81 , 2025 = £3974.24 . 2026 £1362.47/£3500, July £193
.12/£250
Decluttering campaign. 2026. 41/74 storage places, book cases, drawers cupboards and sheds. Also tidying / clearing front and back gardens , giving bathroom and kitchen a bit of a spruce up. Me🏅🏅🏅🏅🏅⭐⭐⭐ ⭐DH🏅🏅🏅
Make £600 in 2026 = £572.79
NSD in M = 18, J = 15, J = 10/151 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 14 months left.2 -
I'm totally losing track this month! But definitely had an NSD on Saturday and one today 🥰
Savings goal by 31/12/24: £22000
Dec 23: £6945.233 -
11/16 for me please 🥰
2 -
Not sure on today yet.
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 14 months left.2 -
same here … spendy week / month
yesterday chalked up nsd 9/18 - struggling this month
July NSD 10/18
July Grocery challenge £76.08/£279 = £202.92 rem
w/c 8 June 4 weekly cold turkey week £59.70/£60 = £0.30 rem / June NSD 18/18 / June Grocery challenge £424.19/£270 = £154.19 over
w/c 11 May cold turkey week £49.18/£50 = £0.82 rem / May NSD 20/16 / May Grocery challenge £379.04/£310 = £69.04 over
Debt-Free April 20262
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