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Joyful July's No-Spend Days Challenge!
Comments
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with a hectic July I’ve lost track of where I am. I’ve allocated spend day today as I need dog food and groceries plus petrol. Yesterday was a NSD and Thursday NSD (unexpected). Weds was a spend. Can’t recall Monday Tuesday.
#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 July 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% £110001 -
@ThriftyPrincess40 probably NSDs if you can't remember? I could be wrong but you allow few spends so that seems likely. xx
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July totals updated here
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Oops … One for Friday, yesterday (I was meant to be taking friend out for lunch but she had to cancel) and declaring early for today 😊
KK
As at 18.08.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £211,813
- 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 59 books of target 52 in 2026 as @ 15th August.
Produce tracker: £200 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.2 -
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. 13 months left.1 -
Yes, it’s a bright shiny new month just round the corner ... Any thoughts on targets? (I've listed the same targets as this month but pls say if you'd like to aim for something different!)
August 2026 NSD targets
beanielou 19
cathybird 15
crazybeautiful 15
Deb 4 15
Dizzycap 10
Doris17 10
Honeysucklelou2 10
InDebtEnby 13
KajiKita 20
laurenh1 18
LittleMissDetermined 20
loopylupin 14
Mamma2004 16
OptimisticSaver 15
Pinkpieuni 10
QueenJess 15
Rupacomp 13
Sallyp2 18
Soontobeoap 10
Tenar15 10
ThriftyPrincess40 22
VickyA 2 15
Wanna Bee Free 10🌞 🌞 Everyone welcome to join! 🌞 🌞
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Hi @cathybird ☺️ have been giving it a lot y of thought this month and can't decide. On the one hand we have had a lot of unexpected expenditure this month. A new dishwasher being one of them. Also have DHs big birthday and our 40th wedding anniversary but I have struggled to get meet 15. We have however been doing a lot of garden DIY. 🤔I am on 2 minds as In August we have Grandchildren most of the time staying over. 3 at a time so ice reams and treats as well as outings will be the order of the day. I think I will go for 10 and be happily surprised if I manage more.
Thank you so much for running tjread
GC 2022 = £3154.96 , 2023 = £3334. 841
2024 = £.3221.81 , 2025 = £3974.24 . 2026 £1645.19/£3500, August. £88.88 /£500
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 = £606.79
NSD in M = 18, J = 15, J = 15 A 2/102 -
@cathybird thank you for running this thread and for getting us ready for next month.
I would like to change my target to 14 please, need to be more focused on sensible spending.
2 -
One for me today
Current No Spend Challenge: 6/13
2025 No Spend Days: 100/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20302 -
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. 13 months left.1
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