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Debt-free wannabe challenges

Forumites help each other push down their debt by setting challenges and encouraging each other to achieve their goals.

IVA to Lloyds
We have been paying our IVA to Lloyds now for 6 years there is still about in total, (loan C/C and overdraft)13K left. At what point might Lloyds write off any debt, or will they just keep us going year on year until it's paid ?
Previously unknown CCJ from 2013 - best / cheapest course of action to resolve?
I've been trying to clean up my credit report recently having finally cleared debts from the past 15yrs, only to find out recently that I now have an active CCJ against me from Northampton court dated from November 2013! This is total news to me as I moved from my last address in 2014, but don't recall ever seeing a CCJ…
The Great Big Budget Challenge 2016
Alright. Hear me out. There are a few threads for specific challenges - the crazy clothes challenge, the grocery challenge, no buying books etc etc. Each of those challenges has its own rules and aims which is totally fab (also I'm in the clothing challenge so come say hi) But how about this? You set yearly spend targets…
NST April - SPRING INTO ACTION
:T NST APRIL SPRING INTO ACTION TICK TOCK - The Clocks have changed have you? Welcome to the new Monthly NST (Ninja Saving Turtles) Challenge! NST's are a group of Money Saving challengers from across the UK who are always up for new money saving challenges, fighting our way to debt freedom, sharing tips and new money…
The Awakening.....the amazing April NSD challenge thread
As the staff of Ennessdee Towers sail off on their round-the-world cruise, the NSD challenge continues....... Why? People collect No Spend Days for various reasons. Some do it because they are heavily in debt. Some have a limited income so need to watch the pennies. Some are saving up for something big - a house, a…
Debt Abroad can it be chased in UK?
Hi Sorry not sure if im in the right forum but I was wanting to know if I have debt Abroad can it be chased up in UK? I have a loan and credit card in Australia which I used to invest in a business in Australia and unfortunately it didnt work out and ive lost all of that money aswell as everything I had saved up and…
Dropped by debt mamagemnt company after 7 Year
Hello everyone I wonder if anyone could help . We have been in a debt management since 2009 and never missed a payment . We received a letter dated on 18.3.2016 yesterday 1.4.2016 after they had taken a payment on 24th March. They basically say that its no longer viable for them to carry on with debt management. We have…
~Make £10 a day March 2016 ~ everybody most welcome to join
:hello: Hello and welcome everybody This is the 103rd month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Rawdinosaur, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but…
The NSD March Easter Egg Hunt Challenge!
Yes folks,Easter approacheth,meaning that we will soon have our hands full of that old favourite:anchovy and fennel chocolate Easter eggs,as much beloved by Cheffie and his [STRIKE]rusty[STRIKE][/STRIKE][/STRIKE],sorry,trusty sidekick Igor. Mrs Doyle will be on hand with her restorative cups of tea and egg sandwiches.…
NST March TURTLES ARE TOUGH
NST MARCH TURTLES ARE TOUGH :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j March starts with Mother's Day (6th) and ends with Easter (GF 25th) and then there's also the 17th. Some of you will have holidays booked (please feel free to join the challenge suitably adjusted). Have you extra childcare needs/ expenditure? Food budgets may need…
The 50p Savers Thread for 2015
Hello and welcome to the challenge :) Cannot believe 2014 is almost over, gone by so quickly for me. Lots of changes, new jobs and perspectives. On the whole looking back it has been good. Hope it has for you too XX Well, the reason why we are here is to make our money go further -either on the debt or towards saving for…
Capquest court action/debt statute barred
I just wanted to share my quick story in the hope of empowering others. Received Court papers from Northampton Court Centre claimant capquest but originally credit card debt of about 5k. I had made some payments to capquest but thought they may have been more than six years ago (I was only about 70% sure). After reading…
Demand for money i have paid!
I received a letter and an copy of the invoice in February from a company saying i owe them money from back in September/October time. I paid this money in cash to them back in December after asking them continuously for three months when they wanted me to give them the money and being told to wait until i hear from them.…
1debt vs 100days challenge chapter 21
Hello everyone! Regular challengers and newcomers! 1 Debt vs 100days chapter 21. There's one , simple rule: choose one debt and do whatever you can, to pay it off within 100 days. This challenge starts on 10.12.15 and finishes on 19.03.16. Everybody's welcome! If you want to take a part, please write your name here. 1.…
101 things in 1001 days
The 101 things in 1001 days is a project that's been floating around on the internet for a while now. The idea is to create a list of 101 things you'd like to try and achieve or complete within the 1001 days (2.5 years). These goals can be really big goals or really really small goals that you haven't got around to doing…
NST: February: Back to Basics.
NST: February: Back to Basics. * We have 29 days on this challenge together. From the 1st February all the way to the 29th. It is not really a ‘short’ month this year. * What is important to you? That is what you will naturally focus on and that is what will take up most of your energy, so choose wisely. Keep your eyes on…
Make £10 a day Challenge - February 2016
Hello and welcome to the 102nd month of this challenge, first started by Batgirl, in September 2007. Also thanks to Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir and Aesop for keeping the thread going. How the challenge works The aim of the challenge is to make an extra £10 a day every day this…
The Frugal Fry-Up February NSD Challenge!
February has crept up behind us.January is almost over,thank heavens.What a long month.... The NSD gang en masse are staying at home for February,on account of being skint.No sunny holibobs for us 'sob'.... Igor and Cheffie are taking over the local greasy spoon and are hoping to make a mint serving such tempting dishes as…
30% off final value on eBay
Hi all I got a message from eBay to say I get 30% off the final value of 100 listings. Just thought this might be of interest to someone. I am listing 1 item a day on eBay as per a post I saw via the newsletter. Does anyone know how I can find/subscribe to this challenge? I have tried searching it but can't seem to find…
Debt problems

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Debt-free wannabe challenges

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