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Debt-free wannabe challenges

Archives for November 2016

Make £10 a day December 2016 - everybody most welcome to join in
:hello: Hello and welcome everybody This is the 112th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, lynnejk, Rawdinosaur, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long,…
The Great NSD December Challenge!
Welcome everyone to December's NSD challenge. Let's face it,we could all probably manage to spend a bit less at this time of year,but the pressure is on to splurge.However,we nsders know better and are hell bent on becoming moth breeders instead of hard earned cash splurgers! You're more than welcome to join us over a nice…
NST: December 2016: A pared back Christmas
:xmastree:NST: December 2016 : A pared back Christmas :xmastree: [FONT=&quot]As the organised bunch that we are most of us will have Christmas all sewn up by now (literally for the crafty amongst us). If you still have things to do can you scale it back in any way? Can you knock a couple of gifts on the head? Reduce your…
Saving for Xmas 2017 - A pound a day
:santa2:This is the saving for Christmas 2017 - A pound a day challenge:santa2: Back by popular demand The Aim: To save a £1 a day from 1st December 2016 to 30th November 2017. How you save your £1 doesn't really matter, whether it be a £1 in a tin, an on-line account or anywhere else that suits you. We will open our tins…
350 challenge
Hi all I need some buddies. I have a small but modest challenge. I am hoping to pay off the remaining £350 of my 0% apr Post Office credit card bill in 3 months. I don't need to pay it off so soon but things have got pretty difficult at home and when things get tough I tend to dig deep as it gives me hope. In terms of a…
Overpayment of wages from Ex-Employer!
Good morning Money Savers, I come to you all today for a little advice - it appears my Ex employer has over paid me by almost £500 and want me to pay this back. I'm not really sure how to word this so apologies if I don't make sense.. I started working for the company in November of 2014. I signed a contract of employment…
advice on going it alone.
hi guys i need advice please. been with a debt manament for the last 10 years all been going well until now, they have put my payments up by over £100 a month and trying to force me into iva. I simply cannot afford these payments even thought i have explained this , seems to be falling on deaf hears. (large sighs) so…
"Sealed Pot Challenge ~ 10"
Alright then Potters, it seems awe-inspiring that we're starting off with with "SPC "No 10"!!! Where have all the years gone since it first began! So very hard to believe that by the end of this year we'll have been going for a full decade!!!! For all newcomers, yes "Old Timers" too - it's so very important to please read…
Notification to ALL Sealed Pot Challenge members!
Hi all, it's that time of year again!! :j Count up day begins TODAY 3rdNovember, so it's time to count your cash and then to declare on or around the 3rd!! Whether it's a little or a lot, it's money YOU SAVED that would all possibly have been spent...so be so very proud of it!!! :T Please, just as soon as you can - come to…
Pound a day challenge
I have started doing the pound a day challenge. I'm on day 4 and it has already been such an eye opener on how much money I actually waste!!

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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.

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