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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.…
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Make up to £10 a day in August 2018 - Everyone welcome
Hello and welcome everybody :hello: This is the 132nd 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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NST - Achievable August
Welcome to August’s NST challenge. The flowers for August are the Gladioli and the Poppy which represents beauty, strength, love, marriage and family. So for August we are going to pick one of the above to work on – if you feel you have let your skincare routine go, or you have been saying yes too often to things or maybe…
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Paying back Debt
Hi, I am 62k in debt on 7 credit cards and one bank loan and two bank overdrafts. I family split left me in deep depression and I turned to shopping for comfort, a very bad choice but it happened. I have now sold the house to release the equity, I have 120k which will cover the debt and leave about half. the question is to…
