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Joyful July's No-Spend Days Challenge!
Comments
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First one of the month yesterday, so 1/10 for me, please!
2 -
One today.
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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 -
It's one for me today please
LMD x
Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £5189/£60001 -
July 2026 NSD totals
NSD-ers
Totals
Off to
a start
5 days
10 days
15 days
20 days
25 days
Target reached
Target
beaten
beanielou
3/19
cathybird
3/15
crazybeautiful
15
Deb4
2/15
Dizzycap
10
Doris17
3/10
FrugalAspirations
7
Honeysucklelou2
1/10
InDebtEnby
13
KajiKita
2/20
laurenh1
2/18
LittleMissDetermined
2/20
loopylupin
12
Mamma2004
1/16
OptimisticSaver
2/15
Peony40
15
Pinkpieuni
10
QueenJess
2/15
Rupacomp
13
Sallyp2
1/18
Soontobeoap
1/15
Tenar15
1/10
ThriftyPrincess40
2/22
VickyA 2
15
WannaBeeFree
1/10
Everyone welcome to join!
1 -
Not one today.
KKAs 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 52 books of target 52 in 2026 as @ 25th 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.2 -
Another one for me today - NSD# 2/15
March 26:
MBNA 6,130 - 0% Feb 28
HAL 10,125.91 - 0% Jul 27
BL 320 - Ends Jul 26
Total: 16,575.91 less 7,000 Marcus savings = 9,575.91
⬇️ to pay down by Oct 27
NSD March 15/22
Make 2026 in 2026:
173.01/2,026
Vinted, YouGov, Bank Int & Fairer Share, Prolific, Quidco, Cheddar & SnapMyEats
Savings accounts:
Co-op 273.01/3,000
Principality 600/1,200
FD 2,000/2,000
Santander Saver 400/2,400
Lloyds 800/4,800
Cahoot 50/3,000
Invest 349.93
🏆 ⬆️ Total: £4,472.94
Mortgage: £54,048.732 -
Declaring another NSD today.
2026 decluttering: 4,470 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️👑⭐️🏅⭐️
2026 use up challenge: 633🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️ 🏅👑 ⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑5003 -
NSD for me please 3/10
"My Life Is About The Journey Not The Destination"3 -
yay off the mark 1/18
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 20263 -
No spend day today and yesterday for me.
#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% £110002
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