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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.

Newbie!!! DFW
I’m embarrassed and ashamed to say... I’m in debt :( . I have about £26k unsecured debt I want to clear ASAP.... any tips... non judgemental advice? I have an ambitious target of 12 months (!?) any info you need let me know but please no judgement :(
NST April 2021: Diamonds and Daisies
Diamonds and Daisies I have chosen the Birthstone and flower of the month to frame this month’s challenge. Diamonds and Daisies! I hope you like the challenge, please do give me feedback. The first section is finance focussed – Diamonds and the second, Daisies has more of a self-care / feel-good aspect. I hope you like it!…
£2 Savers Club for 2020
Welcome to the £2 Savers Club 2020 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 length of time e.g. monthly or till December 2020, B) Save for a particular reason e.g. to pay the car insurance, to pay for a family holiday or to buy…
Amazing April'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 April. 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 April 2021 ~ everyone welcome
Hello and welcome to this challenge to make extra money this month This is the 162nd 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.…
Lowell - moving house soon
Hello i have a few debts owned by Lowell and Cabot I am not in contact with them at all (ignoring texts and calls from them) I am due to move house in 2 weeks and worried they will go for a CCJ by default after I move to new address shall I contact them to say I’m moving or risk a CCJ? thanks
Challenge to make £10 a day February 2021 ~ everyone welcome
Hello and welcome to this challenge to make extra money this month This is the 160th 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.…
CCJ and Default
Hi Family, I have received a job offer from a big 3 credit rating agency. The offer is subject to satisfactory background check, my crb was made and it was blank. But I recently opened an account with Experian, I found out that I have a CCJ and 4 defaults. Everything has been paid off. I’m currently debt free. The problem…
Marvellous March'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 March. 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 March 2021 ~ everyone welcome
Hello and welcome to this challenge to make extra money this month This is the 161st 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 March 2021: a turtle rollercoaster
NST March 2021: a turtle rollercoaster Rollercoasters. :D You love them – the adrenaline rush, the ups and downs and swooping around the corners, the change of speed. And at the end, you leap off the ride and run round to join the queue for another go. :# You hate them – you clench your teeth and close your eyes as you are…
Forged tenancy agreement landlord
I was wrongfully put on a tenancy agreement with my mum , she got in debt and got issued a CCJ but the landlord put me on the tenancy too fraudulently , giving me a ccj also. I have a hearing coming up to set it aside. I’ve spoken to the council and they have wrote me a letter stating I was never on my mother housing…
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…
Fabulous February'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 Febuary. 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.…
Notice of Pending Legal Action
I've received a 'Notice of Pending Legal Action' letter from Lowell Solicitors on 11/02/2021. The debt was originally from a paypal (Hire Purchase) in early of May 2015. I did pay repayment once then stopped. I think that this is now statute barred but I can't be sure. There's nothing on my credit file but Lowell keep…
Charging order
Hi, in 2007 I had an equitable charging order put on my house which I didn’t realise, it was only until recently when I wanted to remortgage I found out about it. I have found an old statement from cl finance showing £700 remaining from £2800, I’ve also looked at bank statements to show I was paying £40 a month and the…
Challenge to make £10 a day January 2021 ~ everyone welcome
Hello and welcome to this challenge to make extra money this month This is the 159th 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.…
Joyous January'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 January. 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: 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…
DVLA Blood Test
Hiya All, My husband has got a DVLA blood test tomorrow, he is an extremely nervous person, will I be able to go in with him please. I've not told him yet that I might not be able.

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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
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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
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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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