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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.

Reconstituted CCA Barclaycard
So, I’m in a DMP and with help of forums like this I have made affordability complaints and reduced my debt from £70k to £38k in 10 months. I did have it lower than this because I have a £13k credit card debt with Barclaycard which they have defaulted and sold to PRA. I took the card out in 2004 and asked for a copy of my…
Claim form defense letter - CCJ
I'm searching for some help. I have had a claim form through from Cabot over an alleged debt that isn't mine. The back story in 2021 I noticed a default on my credit file for a cc it was less than £50 so I called them to clear it as i think i forgot to cancel the cc from 2017. Once i was on the phone they started to tell…
Jubilant June'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 June - Turtle Power
NST June: Turtle Power! Welcome to the NST Challenge for June. I know we are not all in the UK, but many of us Turtles are. June has turned into an important month for those of us who are, one in which it is important that we do not feel impotent because the issues we are facing as individuals, as communities, as…
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!’?…

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MSE News

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.
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 Payments 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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