Debt-free wannabe challenges

Archives for March 2019

What’s next is the question?
So I’ve lost my previous diary - it was along these lines... £5000 overdrawn £4300 loans £6500 Virgin cc (i pay £150 a month and £95 interest a month) £4500 M+S CC (i pay £130 a month) £3500 lloyds cc (i pay £75 a month) £2000 Barclaycard (i pay £50 a month) £1800 RBS cc (i pay £50 a month) £1400 Halifax cc (i pay £45 a…
Make £10 a day in April 2019
Hello and welcome everybody This is the 140th 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. https://forums.moneysavingexpert.com/showthread.php?t=542835 Thanks to Batgirl for starting…
NST April 2019 - Spring Forward
NST April 2019: Spring Forward A new month is upon us. Spring is really beginning to make itself known now, the sun has been shining quite a bit, the days are getting longer, the plants and trees are springing into life again. Hopefully we are feeling ready to leave winter behind and really kickstart ourselves, paddle…
Unenforceable CCA
Hi Advisors and Helpers After applying for 4 CCAs and a SARS on historic debts (2002/3) I am informed that all 4 are unenforceable. However, I have been paying a DMC a regular agreed amount every month for the past 6 years but in the light of this new information have recently stopped making these payments. Has anyone else…
April's Bring Your Lunch To Work
Welcome to April's bring your lunch to work, the sun is shining and Spring here :EasterBun :icotbaske 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 20 working days up for grabs. Let me know if you want to join in…
Direct debit
... I have finally admitted defeat.. I am drowning in debt. I have made my I&E sheets for each of my creditors...wrote them each a letter with an offer of payment requestion a standing order for the amount in my letter... Do i now need to cancel my direct debits even if I have not heard from any of them yet to agree to it?
Stuck with a car on finance
Hi, I bought a car on finance a few years back and was happily paying it off and have paid over 2/3 of it off. However due to a large number of personal issues, I haven't made a payment for around 18 months. I'm now getting my life back together and am working on my debts. I now have a new job with a company car so I no…
Deed Of Assignment
Hi Advisors and Helpers I need your help with confused messages I have been reading re Deed of Assignment and [/B]Note of Assignment. I am told that the note of assignment we are allowed to see but not the Deed of Assignment. However, I recently read that Lord Denning has stated in ruling 1965 that "debtor is entitled to…
Advice please
Hello all - I’m back after a little while away trying to shape up my finances. I’ve dithered around to be honest and still juggled so not really got far. However, I need advice again please all. My debts are £10,791 Lloyd’s loan - repay £343 a month £899 Halifax cc @ 26% - repay £40 a month £1918 barclaycard cc @ 22% -…
Please any advice
Hi so to cut a long story short I lost my mum 6 years ago and I got myself into a gambling addiction which I have now knocked on the head but this has left me in 7,760 worth of debt, these are payday loans, credit cards and overdrafts I really need help. I want to start a debt management plan but nobody seems to want to…
How to object interim charging order ?
Hi, I would appreciate any advice and help and how to object interim charging order and what I could use as an objection in my case to stop final order to be made against my house. Here is my complicated story: Few days ago I received notifications for interim charging order from the County Court which for my husband's…
March 15 ways to save money
The Challenge Write down 10-15 ways you can save / make money and track how many times you do them over the course of the month. You should at least aim to do everything on the list once. For each task you do is 1 point . There are no 'real' prizes but it would be good to see how many 'points' we can all get by the end of…
Make up to £10 a day in March 2019
Hello and welcome everybody This is the 139th 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. https://forums.moneysavingexpert.com/showthread.php?t=542835 Thanks to Batgirl for starting…
Marvelous March'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 March. 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.…

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MSE News

Octopus Energy buys Shell Energy UK – here's what you need to know
Octopus Energy has agreed a deal to buy Shell Energy which, if approved, will see Shell’s 1.4 million energy customers and 500,000 broadband customers moved to Octopus.
Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
Jumpers are for life, not just for Christmas, but most of us only wear our most garish festive get-up for one or two days a year, and then feel pressure to buy a new one the following year. That's neither sustainable nor MoneySaving, so what can we do about it? I have a few ideas...
More Than to stop selling car insurance policies – here's what it means for your cover
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
New scam ad protection measures to be introduced by Facebook, Google and more – changes Martin Lewis has long called for
New scam ad protection measures, such as two-click reporting and verification for advertisers, are to be introduced by major tech firms, including Amazon, Facebook and more.
Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, will shut at least 276 of their bank branches in 2023 and 2024 after Lloyds announced a further 45 closures today (Wednesday 29 November).
'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
Broadband and mobile firms should be banned from hitting their customers with unpredictable mid-contract price hikes, consumer group Which? and charity Citizens Advice have said.
Martin Lewis: Do you have a Power of Attorney? It’s crucial protection – not just for the elderly – and more important than a will
Do you have a Power of Attorney? MoneySavingExpert.com founder Martin Lewis explains how this crucial protection works, why it's more important than a will, and how to get one in the latest episode of ITV's The Martin Lewis Money Show Live.
Second cost of living payment paid to millions – here's who qualifies and what to do if you haven't got yours
More than eight million households on certain benefits and Tax Credits have now received the second third of their £900 cost of living payment.

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