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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.

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…
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…
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…
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…
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…
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…
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…
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.…
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…
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…
£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…
Newbie’s
Virgin saver doing it this way. Excited to start though 👍 set up bank payment so I don’t forget!
Moved: The Save £12k in 2025 challenge
This discussion has been moved.
2024 Cash Envelope (or online) Saving Challenge
Save £1378 in 2024! Welcome to the 2024 weekly cash envelope (or online) savings challenge! This challenge ran in 2023 and I have been asked to set it up again for 2024. It can really boost your savings pots and help with paying for Christmas, or a family holiday...anything you like really! Last year we set it up for…
Saving for Christmas 2024 - £1 a day
The Aim: To save a £1 a day from 1st December 2023 to 30th November 2024. How you save your £1 doesn't really matter, whether it be a £1 in a tin, an on-line account or anywhere else that suits you. 🎄 Getting ready for Christmas 2024 - save £1 a day challenge 🎄 It's a leap year next year, so an extra £1 to save :smiley:…
Debt free by December 2025
Would anyone like to join me in a challenge to be debt free by the end of 2025?! My thought is to divide up my debt by 12, and aim to pay that much (minimum) off each month. My current debt is around £6000 (I'll update properly on 1st January) so will need to pay off £500 a month. Who's with me? Drop your debt and…
CCJ forms received - help please
Hi so this morning a recvd courts forms from The one stop money shop Their reason being is no regular payments or contact. I have been making £20 a month since last year. Most recently missed October but they then reset up a direct debit without my permission and took £55, I then complained and stopped my Direct…
Online Services Refund
Any advice on ensuring PASSPLUS+ refund the more £600 payment made I unknowingly booking online manual driving lessons and not real driving lessons! Lessons booked on their online form as confused by using phone and being dyslexic. Cancelled without starting the lesson as soon as able to verify 8 days later it is only…
100 STEPS TO DEBT FREE BY XMAS 2024
2024 is going to be MY YEAR! My year, after over 20+ years, to become DEBT FREE! Who's with me?! I know a lot of us like to have little challenges and celebrate mini victories to spur us on, but I wanted to devise my own challenge to suit my own needs; one that appeals to my own drivers and motivators. So this is what I'm…
NST No!vember 2024
My dear turtles! You have heard of Stoptober... I now give you NO!vember. This month is all about saying “no” to things (objects, concepts, events, activities, people) that do not add to your life, in order to make space for the things you really need/want. This month, reject energy-draining events or obligations, say no…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over 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 Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank 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, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
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 Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank 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, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
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.
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.

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Debt-free wannabe challenges

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