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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.

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…
2020 1% challenge
Welcome to the new home for the 2020 1% Challenge - 100 ways to make your 1%. Little Miss Uni debt started this amazing thread, and I’ve copied below her first post from the previous thread: What's it all about? Basically the idea is that money comes to us in lots of small ways and we don't often realise it. When faced…
survey troubles :(
First tried swagbucks who said i already had an account (which i never have), tried reset password which said i didnt exist encountered errors and to contact them. Second tried Ipsos, signed up and when confirming email got a message "Thanks for your interest in our community, but we are looking for people with a different…
Mortgage defasit
Hi. Any advice welcome. We took out a second mortgage around 10 years ago. 6 years ago I left my husband and the house. A few months later the house was repossessed. Few months after that my husband passed away. This was 6 years ago. The house sold,the 1st charge was paid off but thier wasn't enough to pay the 2nd charge.…
NST Jolly Joyful July
NST July JOLLY JOYFUL JULY A bit of a thoughtful challenge this month (there are still actions to take). Just looking at things from a different perspective and finding new ideas and techniques (as well as support for those who are struggling with life, physical or mental health or just 'too much to do'. JUST because you…
Joyful July'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 July. 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…
Challenge to make £10 a day July 2021 ~ everyone welcome
Hello and welcome to this challenge to make extra money this month This is the 165th 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.…
Jubilant June'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 June. 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…
Challenge to make £10 a day June 2021 ~ everyone welcome
Hello and welcome to this challenge to make extra money this month :smiley: This is the 164th 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.…
NST June 2021: Jolly simple
NST June 2021: Jolly simple We all need some jolliness in our lives as well as some simplicity. So June is about combining those two elements in our Ninja Saving Turtle June challenge. Jolly – do something daily to make yourself happy. Laugh aloud. Giggle at your witty thoughts. Overview your finances: are you aiming to be…
Sale a day.....declutter and pay off debt
Hi All Not sure if this has already been done before as couldn't immediately see anything 🧐. My plan until the end of June it to list something for sale each day (except the days when I am camping). It will be through Facebook marketplace as I don't have eBay anymore as I spent too much on there! Hoping to make a few quid…
NST May Challenge Living on the planet of the teddy bears
NINJA SAVINGS TURTLES May Challenge LIVING ON THE PLANET OF THE TEDDY BEARS Each month the Ninja Saving Turtles get together to get out of debt, save for the future and help one another along. Paying off debt can be a long tough grind but we plan to have as much fun as possible and live life well. Each month there is a…
Magnificent May'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 May. 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…
Challenge to make £10 a day May 2021 ~ everyone welcome
Hello and welcome to this challenge to make extra money this month This is the 163rd 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.…
Overpaying Mortgage
Hello In the Summer of 2017 I bought a house as a first time buyer valued at 350,000 in Chichester with a 120,000 deposit. I had a five year fixed rate mortgage 25 year term. Initially my payments were set at 950 a month but I threw a further 10k at it. Since then it's become addictive and I now pay 670 a month. I have…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
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.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt-free wannabe challenges

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