Debt-free wannabe challenges

Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.

Payment A Day - Chapter 2023
Hey everyone, Welcome to the Payment A Day - Chapter 2023 challenge! (this will start from 1 January 2023) We've decided to start a new thread challenge each year as the last one by Kirstypoos for Payment a Day Chapter 18 was over 1,150 pages long and spanned nearly 6 years 😳👏🏾! If you want to see that one for inspiration,…
Tilly Tidy 2023
Hi All, I have copied @Naomim explanation of how to achieve a target if you choose to. However it is all up to you how you want to make this journey your own. No rush, just do what you can, no judgment just some fun and support of having a little pocket of cash. It can be a good start whilst your money is spoken for else…
Virtual Sealed Pot Challenge 2023
Hi All Welcome to the Virtual Sealed Pot Challenge 2023 I have ran this thread since 2016 and I have motivated a few people on here over the last six years so I decided to keep going with the challenge. It has been a very successful challenge for quite a few years, so many thanks to Spam.Jam, Palema, Flat Eric, Keza and…
The 365 Day 1p Challenge 2023
I have volunteered to run this thread in 2023 as it is a popular challenge on the MSE Forum. Many thanks to @outoftheviciouscircle and @elsiepac for running it so well in the past. I am new to it but will be participating myself in the challenge and hope others will join me and we can motivate each other. The aim is to…
The 365 Day 1p Challenge 2024
This challenge has been running for a number of years and is so popular I have agreed to run it again in 2024. Feel free to join in by posting on the thread. The aim is to save £667.95 by the end of 2024 by saving 1p on 1st January, 2p on 2nd January and so on all the way up to £3.65 on 31 December. As 2024 is a leap year…
2023 Cash Envelope Saving Challenge
Welcome to the 2023 weekly cash envelope savings challenge! This challenge has been mentioned by a few MSE forumites and it's something I really want to complete in 2023 so I thought I would set up the challenge to see if anyone else would like to join in. What you will need: * 52 envelopes (the small cash envelopes are…
PAY ALL YOUR DEBT OFF BY XMAS 2023
Welcome to Pay ALL Your Debt Off By Xmas 2023 Firstly I would like to welcome all new and existing members from last years thread (New numbers will be allocated for 2023). 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…
£2 savers club for 2023
Welcome everyone to the £2 savers club for 2023. 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…
Saving for Christmas 2023 - £1 a day
🎄 Getting ready for Christmas 2023 - 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 again 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 2022 to 30th November 2023. How…
NST December 2023 The Most Wonderful Time Of the Year?
NST December 2023 The Most Wonderful Time Of the Year? Welcome to the final NST challenge of 2023. The Ninja Saving Turtles get together each month to fight debt or build up savings (for things like new roofs which had to wait whilst we were getting out of debt). We use a variety of techniques (it can be bewildering…
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 your mindset because you get out of the habit of…
NST: November 2023 – Sparkle
NST: November 2023 – Sparkle Welcome to the last month of autumn, and the beginning of a new Turtle adventure. We aim to simplifying our lives so that we can fly freely. (Now there’s a thought: flying turtles…) We are the Ninja Saving Turtles and we set ourselves monthly challenges that stretch us and engage us and keep us…
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…
Sealed Pot Challenge ~ 17
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 17th! I must admit to it being a worry of what to do about SPC for the last couple of years given the Corona virus and all the changes it's brought to us, not to mention the world. However, due to a lot of…
Make £10 a Day in December
Here is a nice new thread for December. . Get creative and lets see how we do this month. Threads like this have been going for a while now and really seem to motivate people. So come on everybody, this is the place to post how much money you have made each day, over and above your normal income. This can be from selling…
Sealed Pot Challenge ~ 16
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 16th! I must admit to it being a worry of what to do about SPC for the last couple of years given the Corona virus and all the changes it's brought to us, not to mention the world. However, due to a lot of…
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 your mindset because you get out of the habit of…
MAKE £10 A DAY IN NOVEMBER
Here is a nice new thread for November. . Get creative and lets see how we do this month. Threads like this have been going for a while now and really seem to motivate people. So come on everybody, this is the place to post how much money you have made each day, over and above your normal income. This can be from selling…
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…
Swimming up hill
Can anyone help pleeaaassee after a couple of difficult years I have just found out I have a CCJ from 2 years ago. I want to pay it off, I have the ref number, but, I don’t know who it is from or what for. I have been on hold with Civil Business Court for 34 mins already just to try and get the info. I have paid for Trust…
Partial settlements / Final Lump sum payments
Hi, I wondered if you could advise on whether a PS (partially settled) flag on your record for making a lump sum payment would effect your credit rating? Or is it better to pay the debt in full if you can? Thanks
Make £10 a Day in October
Here is a nice new thread for October. . Get creative and lets see how we do this month. Threads like this have been going for a while now and really seem to motivate people. So come on everybody, this is the place to post how much money you have made each day, over and above your normal income. This can be from selling…
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 change your mindset because you get out of the habit of…
NST October 2023 A New Start
NST October 2023 A New Start The Ninja Saving Turtles are all about clearing debt or saving for the life we want. We take a holistic approach and aim to make the sometimes tedious work of getting out of debt as much fun as possible. We offer support and encouragement, share our own experience and are ready with hugs and…
Take your lunch to work - September 2023
Couldn’t see a thread for this month but hopefully there’ll be some fellow lunchers joining me, I really need to rein in my spending after an expensive August. I worked two days this week but only one in the office so took a lunchbox of half a pouch of Mediterranean style lentils with tomato, avocado and hard boiled egg 😋…
The 'Towards a Sugar-Free Future' Challenge
I've been struggling with my sugar consumption for years and no matter how hard I try I don't seem to be able to just cut it out. I've tried everything I can think of over the past five years but nothing's worked. It's time to try an approach that has worked for something else. Just over seven years ago I joined the Giving…
Make £10 a Day in September
Here is a nice new thread for September. . Get creative and lets see how we do this month. Threads like this have been going for a while now and really seem to motivate people. So come on everybody, this is the place to post how much money you have made each day, over and above your normal income. This can be from selling…
NST September 2023: Turtle Tightwaddery with a sprinkle of Alchemy
NST September 2023: Turtle Tightwaddery with a sprinkle of Alchemy At the start of the year, I ‘resolved’ to fully read my copy of The Complete Tightwad Gazette. Ages ago, I read about 1/3 of it, but I’d not marked any pages or made any notes from it. So my resolution also involved lots of those small coloured post-its and…
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 your mindset because you get out of the habit of…

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Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
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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.
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Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
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'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
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Martin Lewis: Do you have a Power of Attorney? It’s crucial protection – not just for the elderly – and more important than a will
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