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. See the Community Noticeboard for more info. 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 December 2018

Make up to £10 a day January 2019
Hello and welcome everybody :hello: So, new year, new financial goals! Let’s see what we can achieve together in 2019. This is the 137th month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the original thread as I am sure some of you are interested to read where it all began.…
The 365 day penny challenge 2019
I started this challenge in 2017 but due to the pressure of a large amount of debt I struggled to keep up with it. As of this month I am debt free and determined now to save as much as I can to have a more secure future. I know some of you will be in a much different situation but we are all here for our own reasons. The…
Jolly JANUARY's NSD Challange!
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of January. Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1.…
1 debt vs 100 days chapter 31
Hi everyone! Let's do it again, our 1 Debt vs 100 days challenge chapter 31. There's one , simple rule: choose one debt and do whatever you can, to pay it off within 100 days. This challenge starts on 7th of January and finishes on 16 of April 2019. If you want to join in, please write your name below. I need your help.…
NST Join In January 2019 - In With The New
:snow_laug NST Join In January Challenge :snow_grin The month of January is named after the Roman God Janus, who had two faces in order that he could look at both the future and the past at the same time. Janus is the God of transitions and beginnings and he symbolises changes in life and the universe. Many people see a…
Saving for Christmas 2019 - £1 a day challenge
Getting ready for Christmas 2019 - save £1 a day challenge I know a few of us have enjoyed doing this challenge over the years so I thought I'd host it this year, please let me know if someone else has already started, if not here we go :) The Aim: To save a £1 a day from 1st December 2018 to 30th November 2019. How you…
2019 1% challenge
Welcome to the new home for the The 1% Challenge - 100 ways to make your 1%. Little Miss Uni debt started this amazing thread, and I’ve copied below her first post from the previous thread: What's it all about? Basically the idea is that money comes to us in lots of small ways and we don't often realise it. When faced with…
Want to be debt free
Hi.Could I join please? New to this. Just had a shock. Went online to tot up all my credit card debts.£17,000 in total :( ! Would like to pay a large chunk off by Xmas 2019, but due to study and part-time work will probably be a struggle :) . No mortgage. Have a part time job. Student (may have to leave for a year to…
3 - 6 month Emergency Fund Challenge (part 2)
Hi All, I hope you all had a lovely Christmas. As we go into 2019 we are moving forward with the 3 - 6 month Emergency Fund Challenge and as such a shiny new thread here for part 2. The old thread is here. Your goal can be as much or as little as you want. Some aim for 3 months spending, others 3 months income or even push…
2019 Frugal Living Challenge
Join us here for year 12 of the Frugaldom challenge on MSE The Frugal Living Challenge 2019 It's that time of year again, the time when we all need to start thinking ahead into the new year and how we are going to tackle any debts, generate extra income and squirrel away some savings. Please take the time to read this post…
£2 Savers Club for 2019
Welcome to the £2 Savers Club 2019 The aim is to collect every £2 coin you can lay your hands on! It is entirely up to you whether you want to: A) Save for a particular length of time e.g. monthly or till December 2019, B) Save for a particular reason e.g. to pay the car insurance, to pay for a family holiday or to buy…
£0.50p Savers Club 2019
Hey all, Continuing on from last years challenge we will be running the £0.50p savers again in 2019. Link to last years thread - https://forums.moneysavingexpert.com/discussion/5767122/0-50p-savers-2018 If you would like to join in let me know. I am adding my own reason in for saving these £0.50p's so you can feel free to…
20p Savers Club 2019
Hello and Welcome to the brand new shiny 20p Savers Club 2019 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. Should you wish to join, feel free to pm me…
Januarys Bring Your Lunch To Work
Welcome to Januarys bring your lunch to work, hopefully Spring is just around the corner :D Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and I'm always up for inspiration. There are 23 working days up for grabs, if you are unfortunate to be working New Years…
Pay ALL your debt off by Xmas 2019
Welcome to Pay ALL Your Debt Off By Xmas 2019! Firstly I would like to welcome all new and existing members from last years thread. [FONT=&quot]Anyone is welcome to join this challenge and it is NEVER too late. There is also no amount of money too small or too large that will stop you from joining this challenge. We have…
Save on software
Hello all, I'd like to offer some pointers to useful and legitimately free software that will help you get work done without costing you money, tying you to subscriptions or upgrade programmes etc. By and large, these suggestions do the sorts of things you might be considering buying from people like Microsoft, Adobe,…
1
...................................
Determined December's NSD's thread.
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of December. Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1.…

★ ★ ★ 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