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NST JULY
Ninja Saving Turtles JULY 2025 The turtles get together each month with the aim of getting out of debt, saving (to buy a house, take the trip of a lifetime, pay off the mortgage or retire) and live within our means whilst having fun. We encourage, sympathise, office helpful hints and celebrate wins. No turtle gets left…
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Saving for Christmas 2025 - £1 a day
The Aim: To save a £1 a day from 1st December 2024 to 30th November 2025. 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 2025 - save £1 a day challenge 🎄 Also, I just want to say, you don't have to save £1 a day, do…
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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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NST June 2025: balance
NST June 2025: Balance June’s challenge is going to be a simple one. Balance. 1) Seek balance in your life. Energy out v energy in.
The work/life balance. The ‘happy medium’ is different for each one of us. Seek
your own balance and enjoy living. I like to break it down to Health, Wealth
and A Life Well-Lived , to ponder…
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Jubilant June's No-Spend Days Challenge!
Welcome to Jubilant June'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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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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NST May 2025: Film fun (+ financials)
NST May 2025: Film fun (+ financials) Welcome to the May NST challenge! Here we are, month 5 of
the year already, 2 bank holidays and lots more sunlight. Greenery is sprouting
up everywhere and, love it or loathe it (thinking of you hayfever sufferers),
colour will be returning to the land. F is for financial independence.…
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Magnificent May's No-Spend Days Challenge!
Welcome to Magnificent May'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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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…
