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3 - 6 month Emergency Fund Challenge (part 2)
Hi All, I hope you all had a lovely Christmas. As we go into 2019 we are moving forward with the 3 - 6 month Emergency Fund Challenge and as such a shiny new thread here for part 2. The old thread is here. Your goal can be as much or as little as you want. Some aim for 3 months spending, others 3 months income or even push…
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Moved: Sales
This discussion has been moved.
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Pay off all your debts by Christmas 2025!
Welcome to Pay ALL Your Debt Off By Xmas 2025 Firstly I would like to welcome all new and existing members from last years thread (New numbers will be allocated for 2025). Thank you for last year! 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…
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Tilly Tidy in 2025
Welcome old and new Tilly Tidy Peeps to this group. It is all about getting what we can together from next to nothings and making something of the small bits of change. Whether that is going towards any debt or just being used to keep your head above water. No shame, of gathering those little coppers. No judgement, of how…
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Fiver Friday Challenge 2025
Hello all, I've previously taken part in the 365 1p challenge but due to a change in work circumstances I won't be able to participate in 2025. Instead I'm going to try Fiver Friday where I'll attempt to put away £5 every Friday into a savings account. Should mean I have £260 by the end of 2025. I couldn't see a thread…
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£2 savers club 2025
Welcome everyone to the £2 savers club for 2025. 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…
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VOA
Hi challenged my local council about my council tax band B the property was purchased for £33000 in 1993 which was under the VOA threshold of the 1991 threshold of £40000 i submitted evidence of a lease and title deeds and supporting evidence of similar properties, after waiting very close to a year they have denied my…
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NST November 2025: NOWvember
NST November 2025: NOWvember November involves fairy lights, warm jumpers, umbrellas,
snuggly blankets, hot drinks… The theme for the turtles this November is NOW and
has two strands, both of which involve starting by looking at your life as it
currently is, in all its glory, as well as warts and all. Firstly, look at your…
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Nifty November's No-Spend Days challenge!
Welcome to Nifty November'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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Debt free, improved CS by Christmas 2026 - but will my idea work??
Hi, I took up an offer with my bank to reduce my overdraft by £50 pcm. It’s going well, but I still end up with £10 left at the end of each month. If I do the same with a credit card - decrease my credit limit each month- would that be better for my credit score? OR keep my limits the same & just don’t touch the amount…
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Sealed Pot Challenge ~ 18
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 18th! Due pto the Cost Of Living, I suggest we all save in the best way possible for each of us: if some still prefer to stick to cash, then please do so. Those wishing to use debit cards, or save via the…
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Nifty November's No-Spend Days Challenge!
Welcome to Nifty November'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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Moved: No Default on credit but a threat of CCJ
This discussion has been moved.
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Outstanding October's No-Spend Days Challenge!
Welcome to Outstanding October'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…
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NST OCTOBER 2025 Optimism, Opportunities and Overcoming Obstacles
NST OCTOBER 2025 OPTIMISM, OPPORTUNITIES and OVERCOMING OBSTACLES September wasn't great for me, I've only had one symptom free week since the beginning of August and had a mental health dip as well. However I'm determined that things will get better and have decided that October is a time for OPTIMISM, for grasping any…
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Cabot Financial
Hello I have received a letter from Cabot Financial stating they have bought an outstanding debt from Santander. I had a credit card with Santander in 2015 and as far as I am aware have nothing outstanding on the card. I haven't used it for c.8 years. I have never been chased or received an outstanding statement from…
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17 weeks until the big C word.. CHRISTMAS!
So as the title reads, its 17 weeks until Christmas and I thought I would post a fun little challenge! Nothing too exciting so I am sorry! 😂 How are you preparing within those 17 weeks? Are you budgeting, savings some coupons? Deciding to rip out the whole kitchen like my OH did last year! In those 17 weeks I plan on…
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Pantry challenge
I have about a month’s worth of food in my cupboards and freezer. I should probably keep it in case I loose my job but in the interest of food hygiene I’m going to eat it all up so my cupboard is bare. For people who don’t know how to do a pantry challenge the challenge is to save money on your food bill by only buying…
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Splendid September's No-Spend Days Challenge!
Welcome to Splendid September'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 September 2025: Keep It Simple!
NST September 2025: Keep It Simple! For me, September was always the month for starting
things, thanks to 50 years of the education system. My plans set at the start
of the month, after the summer holidays, were rather ambitious, and generally
disappeared into the ether, forgotten about under the deluge of work stuff. So,…
