Debt-free wannabe challenges

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…

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 2026 challenge! (this will start from 1 January 2026) We've decided…

Save £1378 in 2026! Welcome to the '2026' 52 week envelope savings challenge! This challenge ran the last couple of years and I have been asked to set it up again for 2026. 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…

Hello all, Welcome to the Fiver Friday Challenge for 2026. Each Friday I will put away £5 into a separate account and if I stick to it will have £260 by the end of 2026. I did this in 2025 and found the little and often approach really worked towards this goal. Who is in for 2026?! Coxy

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…

NST NOVEMBER The Ninja Saving Turtles were inspired by Ninja Saving Kat (NSK - look up her original awe inspiring challenges) so that we could continue as a group when Kat went off on her travels. Kat's essentials were - knowing your debt free date, setting all your budgets before the start of the month (and sticking to…

PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 20th! Due to the Cost Of Living crisis, I suggest we all save in the best way possible for each of us: if some are still able to stick to cash, then please do so. Those wishing to use debit cards, or save…

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…

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…

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…

Welcome to the 🎄Saving for Christmas 2026 - £1 a day🎄 challenge. So many of us have enjoyed doing this challenge over the years, so here it is again. A bit late starting this one as still not heard back from kdalwayskint who normally runs this challenge, so thought I'd get this one underway before we get too far into…

Hello everyone! I used to be part of this challenge years ago, and after a long hiatus I’ve found my way back. The aim is simple: find or earn an extra £10-a-day to put towards debt, savings, or whatever financial goal you’re working on. It’s a fun, motivating way to build momentum, and every little win counts. Would love…

Change. Bowie said in 1972: "Turn and face the strange / Ch-ch-changes / Just gonna have to be a different man". Change is strange and difficult, but facing it is better than standing still. It can be scary. Exciting. Avoided. Embraced. October marks the change of the seasons into a very definite autumn, as the trees…

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…

Welcome everyone to the £2 savers club for 2026. 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…

Welcome to this group, old and new members of making our pennies work harder in 2026. This is to challenge yourself of collecting what would be nothing to others yet for us they have a lot of important work to do. Even collecting dropped change off the floor counts towards Tilly Tidying. Does your bank offer to round-up…

You can sell your art/craft to clear debts or book a holiday or just to help with the declutter. Just before xmas my art supplies were moved to a storage unit to allow us to floor the studio so i can move in Absolutely horrified i could open a shop mainly gifts or cheap buys but either way need to get it cleared so plan to…

Welcome to Splendid September'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…

SEPTEMBER What Lies Ahead? The heatwave (stage 6) is set to return in September (I've read that it may extend to Halloween). On the other hand, we have a severe EL NINO event ths year (the worst in living memory) bringing storms and wet weather in October and November. So be prepared. Spare a thought for the poor Galapagos…

Welcome to Awesome August'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…

NST August 2026: The Good Life At 40 years old, Tom Good is no longer able to take his job seriously and gives up working for a company that makes plastic toys for breakfast cereal packets. He talks his wife, Barbara, into giving up the rat race and joining him in a life of simplicity and self-sufficiency. Their house in…

NST July Keep It Simple Stupid KEEP Keep any routines, habits and systems that are working for you. Look at what's not working and try to work out why Kat Essentials. Kat was the originator of these challenges. She set really tough challenges with many elements. Kat's essentials were knowing your Debt Free Date. Paying to…

Welcome to Joyful July'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 your…