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i cant believe it!
im in shock. i made a thread a few days ago about my current debt situation, around £6500 which happened when i had to take a month off work at the begining of 2016 i was very poorly in hospital and when i returned to work i couldnt make up the payments for the month i missed so ended up defaulting on 7 accounts in…
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Saving for Xmas 2017 - A pound a day
:santa2:This is the saving for Christmas 2017 - A pound a day challenge:santa2: Back by popular demand The Aim: To save a £1 a day from 1st December 2016 to 30th November 2017. 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. We will open our tins…
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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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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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30 Fridays Savings Pot
Here is my plan for a 30 week saving challenge. 30 Fridays from this one will take me up to 1 December which is usually when I start worrying about how I'm going to get through Christmas and the 6 or 7 week stretch from December pay day (when work kindly pays us early - thank you) to January pay day (when they pay us as…
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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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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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~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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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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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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The October NSD Challenge!
Join in people!It's a great challenge.
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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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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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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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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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12 days to payday - make it last
£82.73 to get through. I don't want to touch my savings !
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NST Super September Scrimping challenge
A warm and fuzzy autumnal welcome to the NST Super September Scrimping challenge, for newbies and seasoned debt busters alike. (Don’t want the following to sound too harsh but I need it this month) September means for many getting back into the swing of new school and work routines. Also, the colder months are looming and…
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The Super September NSD Thread!
Sign up people!
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~Make upto £10 a day in September 2017 ~ - everybody most welcome
Hello and welcome everybody :hello: Happy anniversary Batgirl, your original forum thread is now 10 years old :) Same age as my DS this year. This is the 121st 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…
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September Bring Your Own Lunch to Work Challenge!
Hello everyone :) Setting up this challenge again for this month, thanks fatvond for doing this last month! Buying lunch at work adds up over the year, a £3 meal deal - taking in to account 6 weeks of holiday, a meal deal at work every day costs £690 a year, but then I always want crisps AND chocolate :rotfl: So taking our…
