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Payment a Day - Chapter 2025
Small Payments. BIG Impact. Making a small (or large) Payment a Day (PAD) - or whenever your budget allows - towards debts or savings all adds up really quickly! And can change your financial future... Hey everyone, Welcome to the Payment A Day - Chapter 2025 challenge! (this will start from 1 January 2025) We've decided…
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2025 - 52 Week Envelope Saving Challenge
Save £1378 in 2025! Welcome to the '2025' 52 week envelope savings challenge! This challenge ran the last couple of years and I have been asked to set it up again for 2025. It can really boost your savings pots and help with paying for Christmas, or a family holiday...anything you like really! It can be done wither with…
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365 Day 1p Challenge for 2026
This challenge has been running for a number of years and is so popular I have agreed to run it again in 2026. If you wish to join please post on this thread and I will allocate you a number which should be quoted when you update on your progress. You can do this either using cash in a jar or virtually by transferring to a…
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The 365 Day 1p Challenge 2025
This challenge has been running for a number of years and is so popular I have agreed to run it again in 2025. If you wish to join please post on this thread and I will allocate you a number which should be quoted when you update on your progress. You can do this either using cash in a jar or virtually by transferring to a…
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Tilly Tidy in 2025
Welcome old and new Tilly Tidy Peeps to this group. It is all about getting what we can together from next to nothings and making something of the small bits of change. Whether that is going towards any debt or just being used to keep your head above water. No shame, of gathering those little coppers. No judgement, of how…
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Pay off all your debts by Christmas 2025!
Welcome to Pay ALL Your Debt Off By Xmas 2025 Firstly I would like to welcome all new and existing members from last years thread (New numbers will be allocated for 2025). Thank you for last year! 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…
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Sealed Pot Challenge ~ 19
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 19th! Due to the Cost Of Living, I suggest we all save in the best way possible for each of us: if some still prefer to stick to cash, then please do so. Those wishing to use debit cards, or save via the bank…
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Pay ALL Your Debt Off By Xmas 2026!
Welcome to Pay ALL Your Debt Off By Xmas 2026 Firstly I would like to welcome all new and existing members from last years thread (New numbers will be allocated for 2026). Thank you for last year! 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…
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NST December 2025 A Different December
NST December 2025 A Different December I'm quite taken with some of this year's adverts - 2 adults reverting to childhoood and arguing over who's mum's favourite, remembering the forgotten item once you're outside the SM and mum and turkey entering to complete silence and enquiring "What happened?". The reply "I expressed…
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Dazzling December's No-Spend Days Challenge!
Welcome to Dazzling December's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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Saving for Christmas 2025 - £1 a day
The Aim: To save a £1 a day from 1st December 2024 to 30th November 2025. 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. 🎄 Getting ready for Christmas 2025 - save £1 a day challenge 🎄 Also, I just want to say, you don't have to save £1 a day, do…
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1% challenge 2023
Welcome to the new home for the 2023 1% Challenge - 100 ways to make your 1%. This challenge was started a couple of years ago by Little Miss Uni Debt, I started using this challenge last year and found it really helpful in focusing on paying off a more manageable amount at a time! I’ve copied below Little Miss Uni debts…
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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…
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£2 savers club 2025
Welcome everyone to the £2 savers club for 2025. As always, 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 reason e.g. to pay the car insurance, to pay for a family holiday or to buy birthday presents throughout the year, B)Save until…
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Fiver Friday Challenge 2025
Hello all, I've previously taken part in the 365 1p challenge but due to a change in work circumstances I won't be able to participate in 2025. Instead I'm going to try Fiver Friday where I'll attempt to put away £5 every Friday into a savings account. Should mean I have £260 by the end of 2025. I couldn't see a thread…
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please delete
please delete thanks
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A Totally FREE Christmas 2025
I thought it might be interesting and worth while to create a new thread: A Totally Free Christmas 2025 A totally FREE Christmas involves some gifting sacrifice, recycling & upcycling the old, online cashback sites, and saving up supermarket loyalty points etc from different Supermarkets using phone Apps. Feel free to make…
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VOA
Hi challenged my local council about my council tax band B the property was purchased for £33000 in 1993 which was under the VOA threshold of the 1991 threshold of £40000 i submitted evidence of a lease and title deeds and supporting evidence of similar properties, after waiting very close to a year they have denied my…
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NST November 2025: NOWvember
NST November 2025: NOWvember November involves fairy lights, warm jumpers, umbrellas,
snuggly blankets, hot drinks… The theme for the turtles this November is NOW and
has two strands, both of which involve starting by looking at your life as it
currently is, in all its glory, as well as warts and all. Firstly, look at your…
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Nifty November's No-Spend Days challenge!
Welcome to Nifty November's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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Debt free, improved CS by Christmas 2026 - but will my idea work??
Hi, I took up an offer with my bank to reduce my overdraft by £50 pcm. It’s going well, but I still end up with £10 left at the end of each month. If I do the same with a credit card - decrease my credit limit each month- would that be better for my credit score? OR keep my limits the same & just don’t touch the amount…
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Sealed Pot Challenge ~ 18
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 18th! Due pto the Cost Of Living, I suggest we all save in the best way possible for each of us: if some still prefer to stick to cash, then please do so. Those wishing to use debit cards, or save via the…
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Nifty November's No-Spend Days Challenge!
Welcome to Nifty November's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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Moved: No Default on credit but a threat of CCJ
This discussion has been moved.
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Outstanding October's No-Spend Days Challenge!
Welcome to Outstanding October's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help…
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NST OCTOBER 2025 Optimism, Opportunities and Overcoming Obstacles
NST OCTOBER 2025 OPTIMISM, OPPORTUNITIES and OVERCOMING OBSTACLES September wasn't great for me, I've only had one symptom free week since the beginning of August and had a mental health dip as well. However I'm determined that things will get better and have decided that October is a time for OPTIMISM, for grasping any…
