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Joyful July's No-Spend Days Challenge!
Comments
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One for me yesterday
https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
July NSD challenge 11/10
July AFD challenge 1/141 -
One for yesterday
Current No Spend Challenge: 9/13
2025 No Spend Days: 89/150
Bank Loan Original End Date: 08/2030
Current End Date: 01/20301 -
One for me today. 2/15 thank you
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 = 10/152 -
one today 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% £110001 -
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.1 -
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
4/19
cathybird
4/15
crazybeautiful
15
Deb4
2/15
Dizzycap
10
Doris17
3/10
FrugalAspirations
7
Honeysucklelou2
1/10
InDebtEnby
1/13
KajiKita
2/20
laurenh1
2/18
LittleMissDetermined
4/20
loopylupin
12
Mamma2004
1/16
OptimisticSaver
2/15
Peony40
15
Pinkpieuni
10
QueenJess
2/15
Rupacomp
13
Sallyp2
1/18
Soontobeoap
3/15
Tenar15
1/10
ThriftyPrincess40
3/22
VickyA 2
3/15
WannaBeeFree
2/10
Everyone welcome to join!
2 -
NSD 4 of 4 today
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 -
Not one today. Had to buy a new charger …. 🤷♀️
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 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 -
Apologies for the radio silence at the end of June, however I'm now back!
I'm delighted to announce that, so far, I'm on 3/15 😍
Sealed Pot Challenge #021 #8 975.71 #9 £881.44 #10 £961.13 #11 £782.13 #12 £741.83 #13 £2135.22 #14 £895.53 #15 £1240.40 #16 £1805.87 #17 £1820.01 #18 £2021.83 declared1 -
One for me today please.i am going to continue working in The garden using what I have before I buy any other products needed like paint and wood restorer
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 = 10/152
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