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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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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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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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NST January 2023 Best Possible Me
NST JANUARY 2023 The Best Possible Me Welcome to the Ninja Saving Turtles Challenge for January 2023, which runs throughout January (00.00 on 31st December 2022 - 23.59 pm on January 31st 2023). For many of us it has been a tough few years and many of us will face tough times and tough decisions in the year to come. But we…
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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…
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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 2025A 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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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…
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NST January 2022: Janus
NST January 2022: Janus A new month. A new year. A fresh start. The turtle gang are
together again for another month of money saving, thriftiness, making every
penny do its job, recognising wants v needs, having fun and being grateful
together. We swim against the tide of consumerism and find our own current.
Preferably…
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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…
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NST September 2022 Picture yourself on a boat on a canal
NST September 2022 Picture Yourself On a Boat On a Canal This month (because we like to mix it up) we will be taking a cruise along the Leeds and Liverpool Canal from Wigan (boo) to Leigh (hooray). At Leigh bridge (that bridge, the bane of my life) the canal changes to become the Bridgewater Canal and we will continue via…
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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…
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NST February Forgiveness
NST Challenge February 2024 FEBRUARY FORGIVENESS "February is the border between winter and spring" (Terri Guillemets) We've had a lot of extreme weather, snow and storms and winter isn't done with us yet. Many turtles are facing health challenges (their own and family members) and even the relatively healthy have been…
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NST July 2023: Jurassic July
Welcome to a new NST (Ninja Saving Turtles) challenge! NSTs are a group of Money Saving challengers from all over the place, who are always up for new money saving ways, fighting our way to debt freedom, sharing tips and new money saving discoveries, general chat, support and good humour! This challenge is open to…
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NST OCTOBER 2022: Autumn Leaves and Sloe Berries
Welcome to another NST challenge. We are the Ninja
Saving Turtles. We are in this together. We look out for and after each other
and no turtle is ever left behind. Ever! This month is all about preparing for the changing season. The clocks go back at the end of the month, but we start with daylight from 7-7(ish), so make…
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NST February 15 for February
NST February Fifteen for February February is the tail end of winter but it can wrap its icy fingers around your heart and squeeze. Cold seeps into you bones, energy levels and resilience are on the wane and spirits are at a low ebb. The uncertainty and restrictions of the pandemic rule our lives. So what do we do? The…
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NST: January 2021 – the Turtles do the Jitterbug
NST: January 2021 – the Turtles do the Jitterbug A new year often means committing to New Year’s Resolutions.
With Capital Letters as they are considered So Important to the start of a new
year. Piffle, stuff and nonsense! We have no idea what 2021 will bring us, but
we get to choose how to react: with the jitters
or the…
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NST March 25: Scooby Doo!
NST March 2025: Scooby Doo! What - or who - do you think of when you read the title? Shaggy? Scooby? Velma? Daphne? Or Fred? Adventures? The Mystery Machine? Food? Unmasking the baddies (who would have gotten away with it if it wasn't for those pesky kids!)?Here's a little linkie:…
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NST June - Turtle Power
NST June: Turtle Power! Welcome to the NST Challenge for June. I know we are not all in the UK, but many of us Turtles are. June has turned into an important month for those of us who are, one in which it is important that we do not feel impotent because the issues we are facing as individuals, as communities, as…
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NST January 2024: This is Sparta!
NST January 2024: This is Sparta! Welcome to 2024! And another NST challenge. It doesn’t seem that long ago that we were celebrating the
Millenium and all that Y2K nonsense! If the last 23 years have flown by, then
so will this one. And we don’t want it to slip through our fingers like water,
do we? Why ‘This is Sparta!’?…
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NST February 2022: a month of fives
NST February 2022: a month of fives February. The days become noticeably longer. Some people
have the urge to ‘spring clean’ their house (an urge which I manage to quash
rather successfully every year). Some spring flowers start to poke through and
bring a bit of colour. Some hardy shrubs start to produce leaves. Yet…
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NST: November 2020 - Madness!!!
B) NST: November 2020 –
Madness!!! B) What do you want from November? Is it just a stop-gap month
when you try desperately to get ahead for THAT DAY in December? Well, not no
more it ain’t! It is a month all of its own with its own demands and character.
Another fresh start. We are the Ninja Saving Turtles and we set…
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NST December 2024 – the TARDIS awaits
NST December
2024 – the TARDIS awaits December is
not all about one day. There are 31 of them. It can be the most horrific money swallowing
month of the year and there are some serious demands surrounding us as we
prepare. We are bombarded by messages in every form telling us what we MUST buy
for Christmas, what will make…
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NST AUGUST 2024
NST AUGUST 2024 Let July be July Let August be August And let yourself JUST BE even in the uncertainty You don't have to Fix Everything You don't have to Solve Everything And you can still find Peace And Grow in the wild of Changing Things MHN Just do it, Just make a start, Just do a bit of it, Just let it be and ponder…
