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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.

Wombabeluba 2020!
Welcome to the wombling thread for 2020! What is wombling? In the words of Bobarella, the founder of the earlier wombling threads: "Wombling is at its most basic level finding things. That you can use and someone else decided they couldn't. When I started this challenge in January of 2015, I used to Womble a lot of brand…
Pay ALL your debt off by Xmas 2020
Welcome to Pay ALL Your Debt Off By Xmas 2020! Firstly I would like to welcome all new and existing members from last years thread. [FONT=&quot]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 joining this challenge. We have…
366 Day 1p Challenge 2020
Hi everyone Welcome to the 366 Day 1p Challenge for 2020! The rules are simple - every day you put aside an amount between 1p and £3.66, covering all the incremental amounts in between... You can do this starting at 1p and working up, or start at £3.66 and work down, or just put aside whichever amount off the list you'd…
Challenge to make £10 a day December 2020 ~ all welcome
Hello and welcome to this challenge to make extra money this month :smiley: This is the 158th 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.…
Dazzling December'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 December. 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.…
Debt Recovery & Regulated Activities
I've now had three cases in recent months where I've been taken to court over old credit card accounts. All the accounts / claimed debts are unenforceable due to the original creditor being unable to supply suitable evidence in response to my CCA requests. Two different DCA's have taken these cases to court when they are…
NST DECEMBER Don't Be a Martyr for Christmas
Yule Yule celebrates the birth of the sun, warmth and the renewal of life. This is a time for the rebirth of ideas, hope and the spirit. A time to leave old regrets behind. Yule is on the 22nd of December, the shortest day and the longest night. However it is a hopeful time, celebrating that from then on the days will…
2020 Frugal Living Challenge
Welcome to the all new 2020 Frugal Living Challenge Edited in - join us HERE for our 2021 CHALLENGE Join us here for year 13 of the Frugaldom challenge on MSE It's that time of year again, the time when we all need to start thinking ahead into the new year and how we are going to tackle any debts, generate extra income and…
Virtual Sealed Pot Challenge 2020
Hi All Welcome to the Virtual Sealed Pot Challenge 2020 I have ran this thread since 2016 and I have motivated a few people on here over the last four 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…
basic saving app or account
Hi everyone, I am wanting to complete a couple of the money saving challenges this year. I don't know the name of it but for day one you put away 1p, then day 2 you put away 2p etc etc throughout the year. I done it this year with coins and then notes but I'd really like to keep it more simple and move my money…
Sealed Pot Challenge ~ 13
Hello once again Potters and a warm welcome aboard to all new members! :D Things are a little different with "SPC "No 13" this year as due to ill health I'm unable to continue as I have been. We've had 12 fantastic money-saving years, all purely because of your determination to save - many thanks to you splendid folk who…
Save an extra £61 in January
I'm going to do this challenge of saving an extra £61 in January as well as saving £10 week by standing order into a spare savings account in 2021. :)
Make £10 a day - November 2020 thread - please join
I hope it's ok for me to start this thread. This is a long-running challenge and I just think that it would be such a shame to let it end now, especially in these strange and worrying times. So, here is Aesop's introduction to last month's challenge. This is the 157th month of this challenge, which was first started by…
Saving for Christmas 2020 - £1 a day challenge
🎄 Getting ready for Christmas 2020 - 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 2019 to 30th November 2020. How…
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! No Spend Days can really help with being thrifty, with planning spending and with thinking about whether you really want to…
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…
Make £10 A Day ~ October 2020 Thread ~ everybody welcome to join
Hello and welcome all. With Lockdown2020, it has been an extremely challenging 2020 and I know everyone will be looking to make extra pennies with the current recession and costs of everything going up. This is the 156th month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the…
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.…
NST October The Turtles Go Outward Bound
NST October Challenge The Turtles Go OUTWARD BOUND Don't panic. I'm not going to insist on anyone leaping off mountains, into frozen streams, white water rafting or doing Bear Grylls style camping. I'd hate all that (I don't even do very well on your average fairground ride). If you want to do all that go ahead. Everyone…
NST September 2020: the turtles do the Hokey Cokey
NST September 2020: the turtles do the Hokey Cokey You put your right foot in Your right foot out In, out, in, out and shake it all about You do the holey cokey and you turn around That’s what it’s all about. Oh! The hokey cokey! Oh! The hokey cokey! Oh! The hokey cokey! Knees bend, arms stretch, ra ra ra! If you are…

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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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