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NST January: Health, Wealth and a Life Well Lived
:D Welcome to January :D Make 2018 the year that you rid yourself of debt, beat down the mortgage, get on top of your spendthift ways, learn new skills and set yourself up for the future. 2018: Health, wealth and a Life Well Lived (Shamelessly lifted from Craig Ballantyne at earlytorise.com) Janus is the god who looks both…
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FEB Penny Pincher challenge
The challenge The aim of this challenge is to create a list of 15 tasks that you will aim to complete in the month to help you save money or to be more financially stable. Guidance* There must be 15 items on your list * Each task is worth 1 "point" . You will gain an extra 5 points for completing every task at least once.…
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January | Penny Pincher Challenge
The challenge The aim of this challenge is to create a list of 15 tasks that you will aim to complete in the month to help you save money or to be more financially stable. Guidance* There must be 15 items on your list * Each task is worth 1 "point" . You will gain an extra 5 points for completing every task at least once.…
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$10+ a day Neobux Challenge 2016
I will be adding quite a bit of information to this first post ASAP regarding how to earn - I need to write it first lol, please check frequently for new info! This challenge was inspired by the Amazing £10 per day thread :A and is specifically for earning on Neobux. If you haven't joined the site yet please consider using…
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Fitness First cancellation
I cancelled my Fitness first membership through my bank in November 2017. I had my membership for over 10 years so therefore the 12 month contract wouldn't apply. I obviously attending the gym from December onwards as I joined another one. I received a letter in the post yesterday from credit link instructing me to pay…
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My 2018 Savings challenges
I’ve really enjoyed doing my 30 Week Savings Pot Challenge this year (you can see the link to it here: https://forums.moneysavingexpert.com/discussion/5647381 ) and as it draws to a close, it’s great to know that I don’t have to worry about finding some Christmas money as it’s all there waiting for me :-) Time to start…
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Capital One CCA request
Hi all, requested a copy of my CCA from Capital one and received a sheet of paper back with my name, address, account number and credit limit. The header was printed as "CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974" There was no other detail on the page and not sure where I stand, I'm going to write back…
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No more buying toiletries before I use the ones I've got..........
My name is Dolly and I am a toiletry hoarder :p Anyone else. I'm vowing to use up every last drop of all the toiletries I have before I buy any more. Will post back later with the current haul I'm using before I get to move on to the next which is lurking in the cupboard somewhere. Dxxx
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The365 Day Penny Challenge
A friend of mine has just started this challenge on Facebook and I thought it seemed like a fun way of saving. I have started this thread to keep me motivated but if anyone wants to join me then please feel free to do so and I will start a challenger list. Also if anyone knows of a simular challenge then please point me in…
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"Sealed Pot Challenge ~ 10"
Alright then Potters, it seems awe-inspiring that we're starting off with with "SPC "No 10"!!! Where have all the years gone since it first began! So very hard to believe that by the end of this year we'll have been going for a full decade!!!! For all newcomers, yes "Old Timers" too - it's so very important to please read…
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Another way to help with your saved loose change.
Great to see people diverting their small change as savings. In many places where banks are closing faster than curtains on a cold night, small shops are desperate for change. I used to save a £5 bag of 20p and take it to the bank but now I take it to my local corner shop instead, and they gratefully exchange it for a…
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Remember you're STILL a Womble - 2017 challenge
Dear All Finally have time to update what this challenge is about. Firstly what is wombling? 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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1 debt vs 100 days chapter 27
Hello everyone! Let's do it again, our 1 Debt vs 100 days challenge chapter 27. There's one , simple rule: choose one debt and do whatever you can, to pay it off within 100 days. This challenge starts on 20 September 2017 and finishes on 29 December 2017. If you want to take a part, write your name and amount you're aiming…
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I feel I've been missold an IVA
Hi there, only just now I found out that the IVA people get paid £7500 through my money (well, I didn't really mind to where exactly and in what proportion my money goes, as long as I didn't have to worry about my debt anymore) but the real disappointment and outrage is that I was led to believe at the start that the…
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Make upto £10 a day in December 2017 ~ everybody most welcome
Hello and welcome everybody :hello: This is the 124th month of this challenge, which was first started by Batgirl, in September 2007. A link here to the original thread as I am sure some of you are interested to read where it all began. Thanks to Batgirl for starting it, lynnejk and ALL posters, for helping us to keep the…
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NRAM - PPI success now DCA want money
I am enquiring on behalf of my husband. I sorted out the PPI and NRAM paid out - all through the help of MSE! Massive thanks! However, strangely enough, as soon as the payout was, Mortimer Clark solicitors or Cabot, have requested money! Background - husband made arrangements to pay via NRAM, then they sold the debt to…
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Card that blocks online gambling transactions
Hi there, Well this is my first post and perhaps a sign that I am willing to try and sort my life out by admitting my problems and seeking help from others. I am a long term compulsive gambler and have been through multiple cycles of heavy debt, repayment and quickly back to debt again. Over the past months I have got…
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2018 challenges
I'm thinking of challenges in 2018, and have come up with the following: Save £10 per week for Christmas 2018, starting 22/12/17. Use cash where possible for purchases so I can put change into my SPC pot. I am going to aim for all food shopping to be paid for in cash, and keep receipts. Tomorrow I am going to get some…
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Virtual Sealed Pot Challenge 2017
Hi All Welcome to the Virtual Sealed Pot Challenge 2017 I ran last years thread and I think it went well so decided to keep going, its been a very successful challenge for quite a few years, so many thanks to Spam.Jam, Palema, Flat Eric, Keza and Nix143 who have run previous challenges. Below are links to the previous…
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£2 Savers Club for 2017
Welcome to the £2 Savers Club 2017 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 length of time e.g. monthly or till December 2017, B) Save for a particular reason e.g. to pay the car insurance, to pay for a family holiday or to buy…
