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Debt-free wannabe challenges

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

Please add me
Hello. My first post...... £3400 debt cleared by Christmas 2022. Thank you very much
Interest charges
What is the maximum percentage a loan company lawfully charge on a loan of £400 for 77 weeks ?
Can I join?
Hello. Please can I join this group and aim for £365?
Challenge to make £10 a day November 2021 ~ all welcome
Hello everyone and welcome to the November challenge. This is the 169th 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…
NST November 2021: Turtle Strength
NST November 2021: Turtle Strength Welcome to November. We are the Ninja Saving Turtles and we set ourselves monthly challenges that stretch us and engage us and keep us moving forwards. Or sometimes sideways. Or round in circles. But never backwards because we are constantly learning about ourselves. What do you want from…
Nifty November's NSD Challenge!
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during November. To join, just post your personal target and you are on your way! Tips for the challenge: 1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve.…
Sealed Pot Challenge ~ 14
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to yet another Sealed Pot Challenge, our 14th! I'll admit to it being a worry of what to do about SPC for 2021 given the Corona virus and all the changes it's brought to us, not to mention the world. However, due to a lot of our lovely SPC…
NST October 2021: Fit for Purpose
NST October: Fit for Purpose Welcome to another NST challenge. We are Turtles, Ninja Saving Turtles. We are in this together. We look out for and after each other and no turtle is ever left behind. What is your purpose? What do you want from October? What‘s your goal/aim? Choose one for these three areas and decide upon a…
Outstanding October's NSD Challenge!
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during October. To join, just post your personal target and you are on your way! Tips for the challenge: 1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve.…
Challenge to make £10 a day October 2021 ~ everyone welcome
Hello, welcome to the October challenge. This is the 168th 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…
Help! Payplan threatening to shut down our DMP because no fixed abode 😧
Hello there👋, Hubby and I have been on a Debt Management Plan with Payplan for about 14 years - as the big financial crash hit - and we are very very grateful for it. Unfortunately we had to leave our rented accommodation in 2009 due to loss of income and have been homeless ever since, living in a caravan on various sites.…
'No More Buying Books Until I've Read the Ones I've Already Bought' Thread
If you are anything like me you have bought lots of books you liked the look of while they were on 3-for-2's or other special offers etc., but haven't quite got round to reading them yet, and the chances are that you are adding to your collection at a rate of knots. Putting our MSE-hats on, we know this is not very frugal,…
Splendid September's NSD Challenge!
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during September. To join, just post your personal target and you are on your way! Tips for the challenge: 1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve.…
NST September 2021
Ninja Savings Turtles SEPTEMBER CHALLENGE Welcome to the NST September challenge. Each month the turtles get together to support encourage and sympathise with each other as we face our individual battles to get out of debt or save for the life we want (mortgage free, early retirement, just getting by on a modest income )…
Challenge to make £10 a day September 2021 ~everyone welcome
Hello, welcome to the September challenge. I hope everyone's had a good summer and is raring to go to make some extra cash this month. This is the 167th 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…
2021 1% Challenge
Welcome to the new home for the 2021 1% Challenge - 100 ways to make your 1%. Little Miss Uni debt started this amazing thread and Adventurewanted continued it 2020. I really found this challenge helped me when I was in debt previously and was disappointed to see it hasn’t continued into 2021. I know it’s late in the year…
Take Your Lunch to Work September 2021
I used to love this challenge as it really did make me think twice about whether I could be bothered to make a sandwich or throw a salad together in the evening. Working in a supermarket, it is really easy to think, well I'm not going to starve if I don't do it. I can see the last thread for this challenge was in February…
Awesome August's NSD Challenge!
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during August. To join, just post your personal target and you are on your way! Tips for the challenge: 1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve. If…
NST August 2021: Lights, Camera, Action!
NST August 2021: Lights, Camera, Action! Welcome to another Ninja Saving Turtle challenge! We aim for health, wealth and a life well-lived, all whilst riding the EAC (East Australia Current – from Finding Nemo) and enjoying life. Boiling water will soften a potato but harden an egg. You can’t control whether you are a…
Challenge to make £10 a day August 2021 ~ everyone welcome
Hello and welcome to this challenge to make extra money this month. This is the 166th 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.…

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MSE News

NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What you need to know
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
Warning: 'WASPI' women affected by State Pension age rise should watch out for 'steep rise' in scams
If you're a woman born in the 1950s affected by changes to your State Pension age, be on high alert for scams offering compensation for this. Campaign group Women Against State Pension Inequality (WASPI) and charity Independent Age have warned so-called 'WASPI' women to be extremely careful, as there's been a reported "steep rise" in the number of scams targeting this group.
Martin Lewis: 'WASPI' women affected by State Pension age rise should beware 'steep rise' in scams
If you're a woman born in the 1950s, be on high alert for scams offering compensation for those affected by changes to their State Pension age. MoneySavingExpert.com (MSE) founder Martin Lewis has warned so-called 'WASPI' women to be extremely careful, as there's been a reported "steep rise" in the number of scams targeting this group – with some even using Martin's name.
Small pension pots to be automatically combined in future under Government plans – here's what it could mean for you
If you have a number of small pension pots you've built up over years of changing jobs, they may be automatically combined in future under new Government plans. This could make it easier to stay on top of your pension savings and reduce costs – but it's still very early days, and we don't yet know exactly how the scheme will work in practice.
Martin Lewis: Aged 20 to 25? Trick to get a FREE four-year railcard worth £100 from Santander
If you're aged 20 to 25, there's a trick right now that can get you a free four-year railcard worth £100 via the bank Santander. MoneySavingExpert.com founder Martin Lewis takes you through it.
Went to an employment tribunal between 2013 and 2017? Can you reclaim £100s?
Tens of thousands who overpaid employment tribunal fees are now due a share of £13 million, which could be worth £100s. But refunds aren't automatic, so you need to act to get your money back. Here's what you need to know.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.

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Debt-free wannabe challenges

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