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5p Savers 2018 Challenge
I shall be saving these again this year. Even though I have only saved just over £5 this year. That is better than saving nothing at all. This money could be used towards a bill or a present for a birthday or Christmas. I try to place mine in my savings/Isa account because a bit of money saved is always good to have in an…
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only recieved enforcement visit warning on the same day they wrote up our controlled goods form
Bristow & Sutor knocked on my door today on the the 21-11-2018 at 14-15 (24 hour clock) and gave us our Enforcement Visit Warning. they also wrote up all our electronics and goods on the goods taken into control form wihtout even a few minutes notice being given to their visit. i feel totally walked all over and the…
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Owe a previous employer money
I left my previous job in October, after unsuccessfully trying to negotiate my 3 month notice period down to 2 months, I decided to send an email 2 months and 1 week after handing in my notice to tell them I wouldn't be coming back as I needed to start my new job. This day also happened to be my payday. HR from my previous…
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2018 - RULE OF 3 Decluttering challenge
I really want to declutter during 2018- so that I can see the spare room floor and so that generally there is no clutter to be seen even hidden away in cupboards... Therefore I am going to play by the rule of 3 every single day during 2018 I will aim to 'lose' three unwanted items from my home this could be by selling on…
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20p Savers Club 2018
Hello and Welcome to the brand new shiny 20p Savers Club 2018 This thread runs similar to its sister thread the £2 Savers Club; there are no rules as such and you can join at any time of the year. The main aim is to have fun and pop in occasionally to post how you're getting on I have kept the list as per last year, so…
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NST Penny Pinching GoSober Stoptober
NST Penny Pinching GoSober Stoptober Gobstopper The cosy autumnal season has begun. The blankets and slippers have come out as well as the comforting cups of hot tea at night. But one thing will stay in the cupboard or even better the shops for me and DH – alcohol and cigarettes. I have made a fair few positive changes…
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Octobers' Bring Your Lunch to Work
Welcome to Octobers' bring your lunch to work, the weather can't make its mind up, but that won't stop us. Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and I'm always up for inspiration. There are 23 working days up for grabs. Let me know if you want to join…
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Make up to £10 a day in October 2018 - Everyone welcome
Hello and welcome everybody This is the 134th month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the original thread as I am sure some of you are interested to read where it all began.…
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Oofy omtimistic Octobers NSD challange.
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of October. Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1.…
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Clean slate and start again? Debt free.
Hi we are in the lucky situation to own a small rental property ( my family home) lately I have been considering selling it paying off the small mortgage (£30k) and with the balance clearing all our debt( 16k debt) and putting away an amount into a savings account. (25k left to put into savings account) We are not behind…
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EU student loan enforcement in UK
Hi everybody, I went to uni in my home country and took about €15k in student loans which I did not pay off before leaving the country. Now living and working in the UK for 3 years, I have a clean credit history. The creditor back home sent me an email saying they will be transferring my debt to Intrum unless I pay in 2…
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Make up to £10 a day in September 2018 - Everyone welcome
Hello and welcome everybody :wave: This is the 133rd month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the original thread as I am sure some of you are interested to read where it all began.…
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Splendid September's NSD's challange
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of SEptember. Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1.…
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NST September: Sunshine Challenge
Hello fellow turtles :hello: and welcome to NST September - the Sunshine Challenge. Set your budgets now. Pay to your debts/savings first and live off the rest. Make sure you're on the best deals for utilities, phones, broadband, etc. Are there any areas in your budget that you could cut down on? Use up. Have a look…
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Septembers Bring Your Lunch to Work
Welcome to September's bring your lunch to work, the summer holidays have finished and we are on the slope to Autumn. Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and I'm always up for inspiration. There are 20 working days up for grabs. Let me know if you…
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Debt Free Wannabe Challenges
Just looking for ideas from those of you who are members of different challenges and what you do with the money from each challenge - i.e. do you use one challenger to save for meals out, one to maybe for a holiday, one which you just bank? For instance if you are a member of the £2 savers club, 50p savers, 20p savers and…
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Nightmare Payday Loan Cycle
I feel completely embarrassed posting this, however recent news has driven me to do so. Over the last few years I have been in an awful payday loan cycle with Wonga and have had nowhere to turn. Only recently I've come to terms with the fact that I'm in trouble and that I need help...but it may be too late. The recent news…
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My Ultimate Challenge
Hello, I'm new to the forums after being a lurker for a number of years! Have decided I need to take control of my financial life, and my life in general. My life in brief is, married, 2 children, 1 dog, 1 (huge to me) mortgage, recurring depressive episodes and a relatively new business. I don't seem to do things by…
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August's Bring your Lunch to Work
Welcome to August's bring your lunch to work, the summer holidays have started and no doubt some people will be going on holiday. Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and I'm always up for inspiration. There are 23 working days up for grabs. Let me…
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Awesome August's NSD challange.
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of August. Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1.…
