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Help2Buy Saving challenge 2018
This challenge is about saving up to £200 each month in your Help2Buy ISA account. In your first month of opening the account, you can save £1,200. You can make as many deposits as you'd like in the months after the initial opening month to the account as long as it doesn't exceed £200. Do not leave yourself short in order…
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How I pay for Xmas
Hi all, Just wanted to share with you all and hope it helps someone, I am terrible at saving and used to end up buying all my Xmas presents on my credit card and then struggle paying it off. The last 2 years I have done park vouchers. I pay £41.66 a month which goes out by direct debit. It's an amount I don't miss. Then…
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Sealed Pot Challenge ~ 11
Hello again Potters and welcome aboard to any new members, I never thought we would have been running THIS long, but here we are starting off with "SPC "No 11"!!! Where have all the years gone since it first began, apparently very fast for sure! It's very hard to believe that we have now been running for a full decade and…
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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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Hybrid Challenge
Hi, This is my hybrid challenge journey. I think it's time to take action and do something about my crippling debt and make some serious money along the way! I've a debt problem and hopefully by admitting it, it helps in some small way to finding a solution. I've been reading lots of challenge/debt/money posts on this…
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November NSD Challenge!
I haven't noticed another thread started yet (if there has been - apologies!) So here we go - who wants to set a target for November NSDs?! :j :D MoneySavingExpert Note: Join in with our Debt Free Wannabe forumites' No Spend Day challenge. Just join the forum to join in. [purplesignup][/purplesignup]
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Make upto £10 a day in November 2017 ~ everybody most welcome
Hello and welcome everybody :hello: This is the 12 3rd 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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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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Bonfires and fireworks - NST November challenge
Welcome to the November NST challenge. November is probably one of my favourite months of the year - I love being all cosied up in warm clothes, all the leaves coming off the trees, the anticipation of Christmas coming up and even the dark nights, however, I know that many people dread this time of year so part of this…
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Getting 12% per day - super short term investments
Today another simple one: An investment solution for people that want to make money. The company has been around now for over 120 days and have been delivering consistently great service. There are number of different investment options but the most popular one is a 12 business day contract where you get 12% daily. There…
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Cash Neutral Christmas
I can't pretend I came up with the concept as all thanks for that go to DeterminedNewMS but I am loving the idea! So far I have managed to buy two Christmas presents using Amazon vouchers earned on Job Spotter. I know DNMS is selling stuff on eBay to raise funds to pay for presents. I am a right Scrooge when it comes to…
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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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End in sight!!!
So excited! We had 11 credit cards totalling £50,000 debt in 2010 all defaulted except 2 and 8 Months of mortage arrears giving us a total debt of £64k. We are self-employed so we couldn't use StepChange. I handled all the debts myself to let my partner concentrate on work. Got repayment plans with all creditors. Got the…
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12 days to payday - make it last
£82.73 to get through. I don't want to touch my savings !
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The October NSD Challenge!
Join in people!It's a great challenge.
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~Make upto £10 a day in October 2017 ~ everybody most welcome
Hello and welcome everybody :hello: This is the 122nd 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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October's Bring Your Own Lunch To Work!
Hello! Setting up this challenge again :) Taking lunches to work soon adds up, minimum £3 a day (as well as the other stuff we pick up whilst we are in there!) 5 days a week...approximately 20 times in a week....There's £60 before you know it gone for the month. Taking your own lunch to work takes a bit of organisation but…
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NST October ORGANISE OCTOBER
Ninja Savings Turtles ORGANISE OCTOBER Several people have indicted that circumstances dictate the continuation of September's Super Scrimpers regime and the tough line instituted by Ninja Savings Kat in her challenges (see NSK). Austerity October? Austerity with a twist because although the turtle way is difficult we…
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Payday loans - Guarantor
Hi, I wife went as a guarantor for her brother with Amigo Loans. At first the default payments would have been £50 per month which I accepted. However without me knowing she has increased the loan several times and now the default amount is £165 per month. He is now no longer working and Amigo have now contacted me about…
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Old £1 coins. Are yours of any value? Check here?
For any of you who are saving £1 coins, and still have some old £1 coins, remember they go out of circulation on the 15th of October. Before you rush out to spend them. check if you have a rare old £1 coin that may be worth something. This article is taken from this weeks Martins MSE newsletter;…
