We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Debt-free wannabe challenges

Archives for January 2015

February 2015 'Take your Lunch to Work' Challenge.
It's back, by popular demand- Thanks to those who PM'd me asking me to revive this challenge- your wish is my command ;) Save your £'s by taking your Lunch To Work (LTW)! A new thread for February 2015!! Although the title is 'Take Your Lunch to WORK', ANYONE can join in :) You can be a stay-at-home-parent, unemployed,…
Nst; fearless february
NST Challenge:Fearless February February can be a tough month. We are nearing the end of winter but as the last week has shown, winter still has a sting or two in her tail. We will look for any signs of Spring but be on the alert for danger. Take care when driving/ cycling/walking in hazardous conditions. Take care of…
Anywhere to go where an advisor can view ALL My debts and help help me sort them???
I have been struggling with debt for 11yrs now. Ive tried CAB and national debt helpline. They were great help but just seem to give information and leave me to it, I am not the cleverest person and suffer with dyslexia. I wonder is there any where i can go and meet an advisor IN-PERSON & they have the resources to find…
Make £10 a Day Challenge February 2015 - everybody welcome
Hello and welcome everybody This is the 90th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but please read as it give…
The Flippin' Fantastic February Safari NSD Challenge!
Yes,February will soon be here,but the NSD gang are resolutely turning their backs on the blinkin' cold,wet and 'orrible weather.Thanks to a highly democratic vote of one (that's you scotmumof3),we are heading off for an African safari! So,we are ready to fire up The Tardis again,to whizz us off to the Masai Mara,all from…
Rossendales Debt Collection Agency
I am in the process of my IVA failing due to the payments becoming unaffordable with the IVA company. I am still under protection until I get the failure certificate which can take up to 6 months. I have 4 debts in total, x3 are listed with The Insolvency Exchange, and x 1 listed with Max Recovery. Today, my telephone…
Is there a formula for this Plan?
Hello, Was asked this question this morning by my brother .. How much do I need to invest per annum to receive a lump sum of £12458.00 in 11 years @ 5% interest rates? What is the formula for working this out? thanks in advance steve
1 Debt vs 100 days part 18
Welcome in the 1 Debt vs 100 days challenge part 18! There's one and simple rule : tackle a debt , however small , and pay it off within 100 days. This challenge starts at 26th January and finishes 6th May 2015. 1. Mrshubbard £120/561 2. Kirstydriver £751/900 3. LoLo £34.08/300 4. Onlygoingforward £3500 5. GaLa15 £7000 6.…
Is a DMP 'making a composition with creditors'
Oops - posted in wrong place and deleted post - sorry :)
how to deal with 10 year old debt
hi, i would be gratefull for any advice. i am on long term esa support group benefit, i have five defaults that i am paying off at between £5 and £10 per month, they range from £400 to £7000 owing so i know i will be paying them for ever, the agencies i pay are happy with my payments and i am up to date. my problem now is…
Virtual Sealed Pot Challenge 2015
Hi All Welcome to the Sealed Pot Challenge 2015 - better late than never! I was a late comer to this and am picking it up in the hopes we can do some wonderful things with little bank transfers - many thanks to Spam.Jam, Palema, Flat Eric and keza who have run previous challenges. From last year's thread - and to continue…
Challenges 2015 - please read for a list of challenges
January note - Looking for inspiration? - check out this thread to see how much DFWs paid off their debts in 2014 - How much did we pay off in 2014? Hello All This is a list of challenges that will hopefully motivate you on your debt free journey or help you with your money saving goals. This list was originally complied…
Weekly Savings Challenge 2015
Originlly set up by splodgethefirst last year, I thought this years participants would like a new thread! There are lots of different ways to approach this Starting with £1 in Wk 1 up to £52 in wk 52 starting with 50p in wk1 up to £26 in wk 52 starting with 10p in wk 1 up to £5.20 in week 52 Let us know how you plan to…
20p Savers Club 2015
Hello and Welcome to the brand new shiny 20p Savers Club 2015 :D This thread runs similar to its sister thread the £2 Savers Club; there are no rules as such and you can join at any time of the year. The main aim is to have fun and pop in occasionally to post how you're getting on. I have kept the list as per last year, so…
What do you want to achieve in 2015?
Good Morning Everyone and Happy New Year!:beer: Last year a number of us committed to achieving a number of goals across financial, social, professional, physical and emotional areas of our lives. By focusing our mind and efforts and committing to the achievement of achievable but challenging objectives we managed to…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

View All

Debt-free wannabe challenges

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Debt-free wannabe challenges

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free