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Marvellous March's No-Spend Days Challenge!
Welcome to Marvellous March's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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NST March 25: Scooby Doo!
NST March 2025: Scooby Doo! What - or who - do you think of when you read the title? Shaggy? Scooby? Velma? Daphne? Or Fred? Adventures? The Mystery Machine? Food? Unmasking the baddies (who would have gotten away with it if it wasn't for those pesky kids!)?Here's a little linkie:…
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Local Authority LA Earnings Attachment
Hello All! I have a LA Housing benefit HB debt as well as a council tax CT debt which I had reached an agreement and have been paying off. My CT I have been paying off at £10pm and as of when this debt originated it was about £800 and stands at just over £400. I have just renewed my agreement with no issues. However the HB…
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100 steps challenge.. to where you want to be in 2025
I used the 100 steps to debt freedom challenge last year and I want to now do the same on the flip side for savings and goals. This can be for debt too of course. I’ve split my goals into 3x100 steps challenges this year as I want to compartmentalise and snowball onto the next hopefully. I invite you to step your way to…
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The 1p challenge
Hi Forumers Has anyone produced a cumulative spreadsheet for the challenge, showing the day-on-day total? This would make it easy to top up if one misses a few days (or longer). So, Day one would be 1p, Day two would be 3p.......Day eight would be 35p, etc..... Regards jonkyl
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Fabulous February's No-Spend Days Challenge!
Welcome to Fabulous February's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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NST February 2025 Love and Kindness
Ninja Saving Turtles Challenge for February 2025 LOVE and KINDNESS 'The north wind doth blow, and we shall have snow', so what will we all do now. We will wrap up warm, keep ourselves from harm and spread JOY, HOPE and LOVE Winter hasn't quite finished with us so KEEP WARM, don't rush things or do too much because our…
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Slash the stash
So can't just be me that is a bit of a hoarder and panic buyer. I've got a stash of; * Fragrance * Make Up * Skincare * Notebooks * Clothes * Bags * Shoes My plan from today is; * Have a dig through and see what I've got * Gather up stash items I want to use up first * When used replenish from the stash * Only buy what…
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Joyous January's No-Spend Days Challenge!
Welcome to Joyous January's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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January's No Food Shopping Challenge 2025
Hello everyone! I have done this a few times now over the years, and once again I find myself with cupboards and a freezer full of food but somehow nothing to eat. :# So to force myself to use what I've got, I'll be attempting to spend as little as possible on food in January. I usually choose five "staples" that I'm…
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NST January 2025: Freedom!
NST January 2025: Freedom! What came to your mind first when you read this title?
Financial freedom? Physical freedom? Freedom from what other people think of
you? Freedom is different for each one of us and as Ninja Saving Turtles, we
like to look at the whole picture and nibble away at improving our situation. Without…
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Statute Barred /Deed of Assignment
I defaulted on 2 credit cards about 20 yrs ago and these where "assigned " 1 = Lowell 2= Cabot I agreed to pay via direct debits which I have done so. However I have become a where that these companies most likely don't have a Deed of Assignment, so perhaps couldn't legally of demanded money . I wrote to them asking for a…
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Fabulous February's No-Spend Day Challenge!
This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change your mindset because you get out of the habit of…
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partial settlements
We have been in a debt management plan for some time and keep receiving discount offers from our creditors. We are now in a position to possibly clear all our debts if we accept the discounts but the debts have all dropped off our credit files because they're more than 6 years old. If we partially settle them now, will…
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Payment a Day - Chapter 2024
Small Payments. BIG Impact. Making a small (or large) Payment a Day (PAD) - or whenever your budget allows - towards debts or savings all adds up really quickly! And can change your financial future... Hey everyone, Welcome to the Payment A Day - Chapter 2024 challenge! (this will start from 1 January 2024) We've decided…
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The 365 Day 1p Challenge 2024
This challenge has been running for a number of years and is so popular I have agreed to run it again in 2024. Feel free to join in by posting on the thread. The aim is to save £667.95 by the end of 2024 by saving 1p on 1st January, 2p on 2nd January and so on all the way up to £3.65 on 31 December. As 2024 is a leap year…
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Pay All Your Debt Off By Christmas 2024
Welcome to Pay ALL Your Debt Off By Xmas 2024 Firstly I would like to welcome all new and existing members from last years thread (New numbers will be allocated for 2024). I will be taking over the thread this year from @shell16. Thank you for last year! Anyone is welcome to join this challenge and it is NEVER too late.…
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NST December 2024 – the TARDIS awaits
NST December
2024 – the TARDIS awaits December is
not all about one day. There are 31 of them. It can be the most horrific money swallowing
month of the year and there are some serious demands surrounding us as we
prepare. We are bombarded by messages in every form telling us what we MUST buy
for Christmas, what will make…
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Dazzling December's No-Spend Days Challenge!
Welcome to Dazzling December's No-Spend Days Challenge! This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change…
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£2 savers club for 2024
Welcome everyone to the £2 savers club for 2024. As always, 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 reason e.g. to pay the car insurance, to pay for a family holiday or to buy birthday presents throughout the year, B)Save until…
