Debt-free wannabe challenges

June is a month of positivity. A month of Onwards and Upwards: an idiom that means to continuously make progress, improve your position, or focus on a positive future. You may be at rock bottom or halfway up a mountain. Or, as turtles, you may be in the Mariana Trench or in Lake Titicaca. We all have different starting…

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…

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…

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…

NST MAY 2926 HITTING ROCK BOTTOM This is not intended to be a gloomy thread. I aim to be cheerful but realistic with help and comfort for those who are struggling in these uncertain times. We are all getting older and a significant portion of our turtles have to deal with health issues and bodies that no longer work the…

I’m trying to get a bit stricter with my finances and recently started doing one “no-spend day” a week. literally no unnecessary spending at all. It’s made me realise how easy it is to spend without thinking, and how much it adds up over time. I’m curious if anyone else does this or would be up for it? Feels like we’re…

have you ever gone cold turkey on your spending?i have been watching "spendaholics" on you tube. The episodes are from 2008 to 2010/11. The cold turkey week seemed a great challenge. the cold turkey week was all spending, including food, for a week - spent using cash only. Typically the challenge is 20-25% of the…

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…

NST April 2026: Thrift and Thrive The connection between thrive and thrift is both deeply rooted in etymology and practically linked in modern sustainability, where careful resource management (thrift) enables long-term prosperity and well-being (thrive). Here is the breakdown of the connection between the two: 1.…

Hi everyone, We have created a test board for the 1p Challenge. Please have a look and let us know what you think on the info and feedback thread: https://forums.moneysavingexpert.com/categories/1p-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…

NST March 2026: The Turtles are revolting!!! Revolution is not usually a spontaneous re/action. It builds up over time, until it spills over, and enough is enough! It is a fundamental transformation and requires planning, focus, energy and a final goal or two. This month, the Turtles are revolting! But what are we…

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…

Ninja Saving Turtles February 2026 YOU ARE ENOUGH Some people thrive in the winter months, a lot of us struggle. The cold and rain seep into your bones, ice and snow create hazards, winter bugs wear you down depleting your physical and mental health. Darkness surrounds us, the world atm is a very dark and threatening place…

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…

NST January 2026: Shake and Vac https://www.youtube.com/watch?v=4q8inM0gKVo Anyone else remember this advert? An ad where women live alone, have a dog, smoke and always have a handy container of Shake and Vac product to sprinkle all over their carpet whilst dancing in heels inside the house and hoovering. AND THIS MAKES…

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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 2025 challenge! (this will start from 1 January 2025) We've decided…

This challenge has been running for a number of years and is so popular I have agreed to run it again in 2025. If you wish to join please post on this thread and I will allocate you a number which should be quoted when you update on your progress. You can do this either using cash in a jar or virtually by transferring to a…

I would like to take part in this challenge