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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.

December bring your lunch to work
Welcome to December's bring your lunch to work, can't believe that this one is the last one already? Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and we're always up for inspiration and a challenge There are 17 working days up for grabs. I have included…
About my debt
i am a little bit confused about my present situations. i am planning to go to university but i have a bad credit basically i have defaulted already im just wondering if that will prevent me from getting a student loans, overdraft? etc
1 debt vs 100 days chapter 33
Hi everyone! Let's do it again, our 1 Debt vs 100 days challenge chapter 33. There's one , simple rule: choose one debt and do whatever you can, to pay it off within 100 days. This challenge starts on 27th of August and finishes on 5th of December 2019. Everyone who wants to take part, please write your name down. 1. LoLo…
Debt time to face up
The 365 day penny challenge 2019
I started this challenge in 2017 but due to the pressure of a large amount of debt I struggled to keep up with it. As of this month I am debt free and determined now to save as much as I can to have a more secure future. I know some of you will be in a much different situation but we are all here for our own reasons. The…
Sealed Pot Challenge ~ 12
Hello once again Potters and welcome aboard to all new members! :D I never thought we would have been running THIS long, but here we are starting off with "SPC "No 12"!!! The years have flown past since SPC's birth! We've had 11 fantastic money-saving years, all purely because of the determination in saving of you all -…
Small debts but small lone income
Hi I have just joined today after reading other diaries on here and need budgeting advice if anyone can spare the time. I’m a single mom who works full-time:o:o but never seem to have much spare. Just after tips really. I have very old debt not on my credit file of which I pay a token amount plus a small credit card debt.…
Saving for Christmas 2019 - £1 a day challenge
Getting ready for Christmas 2019 - 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 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 2018 to 30th November 2019. How you…
Order of Sale Threat
I would appreciate any help please....My husband has a historic debt with a high street bank on a business overdraft he was forced to personal guarantee by his business account manager (I question his conduct as he knew the business was in difficulty and my husband was vulnerable at the time trying to make ends meet!) The…
NST: November 2019
NST: November 2019 Ninja Saving Turtles: YESvember It is not NOvember, it is YESvember :D It is the last month of autumn, but the beginning of a new adventure. It is time to take risks and to do the unexpected. We look towards our own adventures, not being side-tracked by what others may (or may not) think of us. We are…
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.…
Make £10 A Day November 2019
Hello and welcome everybody :hello: This is the 147th 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.…
November's Lunches to Work
Welcome to November's bring your lunch to work. Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and we're always up for inspiration and a challenge There are 21 working days up for grabs. Let me know if you want to join in and how many days you want to attempt…
Save 5p a day challenge
Hey forum, I was playing about with the idea of the 'save 1p a day challenge' and thought; I really need to save more, both to tackle debt and save for Christmas 2020. As a result I worked up monthly figures for saving 5p on day 1, 10p on day 2 etc. Obviously this 'perms' up quite rapidly towards the end of the year,…
Cheap living alternative lifestyle
I had of an epiphany a couple of years ago, while stuck in traffic on the daily 2 hour drive to work i thought why am i doing this just to put food on the table everyday, there has to be another way. So the wife and me sat down with a pen an paper and started to write down where all our money goes. We've always been…
MSE Molly's No-Spend October diary - here's what happened
Hello there Forumites! I have a lot of you to thank for this blog based on your support from the No Spend October blog (especially cathybird for letting me join in!). I'd love to hear your thoughts below! I challenged myself to spend NOTHING for half a month - here’s what happened When was the last time you had a day where…
20p Savers Club 2019
Hello and Welcome to the brand new shiny 20p Savers Club 2019 This thread runs similar to its sister thread the £2 Savers Club; there are no rules as such and you can join at any time of the year. The main aim is to have fun and pop in occasionally to post how you're getting on. Should you wish to join, feel free to pm me…
Debts written off
Hi All, Back in 2015/16 I applied for a credit card with a limit of £9100. I already had unsecure debts of over £17000 and a mortgage. I got into a vicious circle of getting loans to pay off other loans. I took out a £15000 loan with HSBC to pay off debts but it didn't work. I then took out a £25000 loan with a bank…
Help: from DMP to F&F
Hi everyone Before I get into my problem, let me say what an amazing lot you all are, helping each other. I’ve been on a DMP with SC for about 3 years and can’t recommend them enough. I’m still on a DMP with them and I recently made a girlfriend who is willing to help me pay my debts with some of her savings. Although she…
I need help and quick
I have an interest only mortgage that i have not been able to pay for the last few months as I'm broke i have not paid council tax for a year due to debt problems plus must owe HMRC £15k as I've not submitted a tax return for a few years. A loan from about five years ago with Nat West has been passed on to a company called…

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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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