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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.

Magnificent May's No-Spend Days Challenge!
This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change your mindset because you get out of the habit of…
NST A May Meditation
Welcome to the NST Challenge for May. It's a bit different. Each month is a new beginning, a chance to leave behind any failings and shortcomings of the previous month and to start out bright and new. So this is my very gentle action plan for getting back on track. 1 The challenge runs from 00.00 on May 1st and ends at…
NST March 2024: The Magic Roundabout
NST March 2024: The Magic Roundabout The Magic Roundabout takes me back to my childhood and also gives me happy memories from my uni days. Here’s a link to an early programme: https://www.youtube.com/watch?v=c3DcChXNyYQ Its colourful characters include Dougal the dog, Brian the snail, Dylan the rabbit, Ermintrude the cow,…
NST April 2024: April appreciation
NST April 2024: April appreciation How to pronounce it: /əˌpriːʃɪˈeɪʃn / for you phonetic people! What it can mean: 1. recognition and enjoyment of the good qualities of someone or something. Gratitude. 2. a full understanding of a situation. 3. an increase in monetary value. It is quite a holistic word, encompassing…
Amazing April's No-Spend Days Challenge!
This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change your mindset because you get out of the habit of…
Make £10 a day in March
Welcome to the new month everyone. Lets see how much extra we can make in March. As always, please feel free to make your target as low or as high as you wish, it doesn't have to be £10, depends on your circumstances. This extra money can be from surveys, side hustles, bank switches, mystery shops, selling items on FB or…
Marvellous March's No-Spend Days Challenge!
This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change your mindset because you get out of the habit of…
CCJ in my name but not my address
I am being pursued by Lowell Debt collection Agency for a CCJ which is in my name but not my address… original debt was T-mobile, which I reported to Action Fraud in 2015, as it’s not my debt, apparently the CCJ was made in 2013 …. I was only made aware of this CCJ in February via Lowell as they bought the debt, I have…
MAKE £10 A DAY IN FEBRUARY
Hello everyone and welcome to the challenge. The purpose of this challenge is to try and make an extra £10 a day on top of your normal income to help things along eg paying off debt, making savings, paying for holidays, overpaying mortgages. If you feel £10 is too much why not start at £5 (or less if you want) or if you're…
NST February Forgiveness
NST Challenge February 2024 FEBRUARY FORGIVENESS "February is the border between winter and spring" (Terri Guillemets) We've had a lot of extreme weather, snow and storms and winter isn't done with us yet. Many turtles are facing health challenges (their own and family members) and even the relatively healthy have been…
No more buying books until I've read the ones I've got in 2024
I remember this thread from a few years back, and I can't see that anyone has posted anything recently, so I'm giving it a comeback! As the title says, I've got tons on my Kindle and physical books, but whenever I seem to see one on Amazon for 99p I never seem to resist, even though I've got loads to get through! Anyone…
No spend January
Hello there I am going to try and not spend anything in January
£2 savers club for 2023
Welcome everyone to the £2 savers club for 2023. As always, 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 reason e.g. to pay the car insurance, to pay for a family holiday or to buy birthday presents throughout the year, B)Save until…
Joyous January's No-Spend Days Challenge!
This challenge is all about helping people to save money by setting aside days every month where you deliberately don't spend unnecessary cash. Over the short term, it can help you have a more frugal month. Over the long term, if you stick with it, it can help change your mindset because you get out of the habit of…
Make an Extra £10 a Day January 2024
Hello everyone and welcome to the challenge. The purpose of this challenge is to try and make an extra £10 a day on top of your normal income to help things along eg paying off debt, making savings, paying for holidays, overpaying mortgages. If you feel £10 is too much why not start at £5 (or less if you want) or if you're…
NST January 2024: This is Sparta!
NST January 2024: This is Sparta! Welcome to 2024! And another NST challenge. It doesn’t seem that long ago that we were celebrating the Millenium and all that Y2K nonsense! If the last 23 years have flown by, then so will this one. And we don’t want it to slip through our fingers like water, do we? Why ‘This is Sparta!’?…
My Debt Won't GO Away
Can someone please help with options! I have a debt that I am considering disputing. This Is because there is a difference of £5,962.92 between what the creditor bank says I owe and the amount the solicitors who have been representing the bank are demanding. This involves a loan for £25,000 which I got in 2004, yes 2004,…
Payment A Day - Chapter 2023
Hey everyone, Welcome to the Payment A Day - Chapter 2023 challenge! (this will start from 1 January 2023) We've decided to start a new thread challenge each year as the last one by Kirstypoos for Payment a Day Chapter 18 was over 1,150 pages long and spanned nearly 6 years 😳👏🏾! If you want to see that one for inspiration,…
1p challenge
Hi, I'm confused about the challenge Am I right in Understanding you add a penny each day or do you save the previous amount plus a penny. Ie. Using a Jar as an example 1st - you add 1p 2nd - you add 1p+ 1p 3rd- you add 2p +1p 4th - you add 3p +1p Or is it add 1p each day? Can't quite grasp it...
The 365 Day 1p Challenge 2023
I have volunteered to run this thread in 2023 as it is a popular challenge on the MSE Forum. Many thanks to @outoftheviciouscircle and @elsiepac for running it so well in the past. I am new to it but will be participating myself in the challenge and hope others will join me and we can motivate each other. The aim is to…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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Debt-free wannabe challenges

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