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Amazing April's No-Spend Days Challenge!
Welcome to Amazing April'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 your…
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Are you wombling, too, in '22?
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 match coupons, these were just like…
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NST April 2025 A Pirate Life For Me
Ninja Saving Turtles April 2025 A Pirate Life For Me Pirates (those who steal on the open seas) have been around since the Ancient Greeks - "Where there is a sea there are pirates" (Greek Proverb) to modern day. The Golden Age of Piracy (1680s - 1720s) coincided with the expansion of the English (later British) Empire.…
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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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Tilly Tidy 2024
Hi All, this is a small start to getting savings together. It's that simple. We all have varying reasons of doing a Tilly Tidy (TT) some of us have not got a lot to play with i.e spare change to start saving with. Some are on a more advanced way of getting there. There is no judgement - it's just about starting that ball…
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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…
