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1 debt vs 100 days chapter 20
TWelcome everybody ! Next chapter , more strength . There's one rule: choose a debt and do your best to pay it off within 100 days. This challenge starts at 24th August 2015 and finishes on 2nd December 2015. Everybody's invited! Who wants to take a part, please write your name below. 1. Snow*white £146.60/316.60 2.…
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The plastic-not-so-fantastic squad
My main is to stop using the plastic -debit or credit cards for day to day purchases & unplanned spendies. I have also started writing down all my spends in a spending diary, I think that by doing both these things it is making me more aware of the money I am spending & this will hopefully lead to cutting out spends on not…
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2015 Frugal Living Challenge
The Frugal Living Challenge 2015 2016 Challenge has now been loaded at https://forums.moneysavingexpert.com/discussion/5383908 It's that time of year again, the time when we all need to start thinking ahead into the new year and how we are going to tackle any debts, generate extra income and squirrel away some savings.…
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Virtual Sealed Pot Challenge 2015
Hi All Welcome to the Sealed Pot Challenge 2015 - better late than never! I was a late comer to this and am picking it up in the hopes we can do some wonderful things with little bank transfers - many thanks to Spam.Jam, Palema, Flat Eric and keza who have run previous challenges. From last year's thread - and to continue…
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NST: Standing Firm in November
NST: Standing Firm in November Dedicate yourself and be ruthless for the next 30 days. Work out what you truly need and learn to separate your needs from your wants. We are bombarded by advertising that tells us that we need to continuously spend more and more, to acquire more and more, in order to be better people. DO NOT…
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Can you make overpayments when on a DMP with stepchange?
Im on a DMP with stepchange and they pay my creditors direct for me. Is it possible to make over payments to reduce debt when on a managed DMP?
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Reminder to "Sealed pot Challenge" members - those wishing to join too!
Reminder to all "Sealed pot Challenge" members, prospective members also Reminder to all "Sealed pot Challenge" members For those who appear to have forgotten....... The "Sealed Pot Challenge 8" has now ended - on the the 5th November so it's now time to declare your savings!!! :j Hi all, it's NEARLY that time of year…
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The Sky's The Limit November NSD Challenge with fireworks and treacle toffee for all!
Welcome to the wondrous wonder that is The November NSD Challenge! We have returned from our piratey jaunt aboard the good ship 'Swobzedex' full of vim,vigour and not a little rum...ready to batten down the hatches,face those winter storms and enjoy a few home cooked delicacies such as pilchard mini quiches and the…
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November 'Take Your Lunch to Work' Challenge.
Save your £'s by taking your Lunch To Work (LTW)! A new thread for November 2015!! Although the title is 'Take Your Lunch to WORK', ANYONE can join in You can be a stay-at-home-parent, unemployed, work part time or work full time. The point is, buying lunch (or breakfast, or both if you were silly like me!!) from the works…
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Statute Barred Debt.
Hi All, Thanks for taking the time to view my post and hopefully shed some light. The reason for my post is, I racked up a fair bit of debt when I was younger (around 21) to cut a long story short I faced difficulties in paying and asked for help from my lenders at the time (personal loan, overdraft and a credit card)…
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52 week card deck saving challenge
I've found a creative money saving challenge online that might be fun for others to try as well. All you need is a jar/savings account and a pack of 52 playing cards. Each week you or your children can draw one card. The number or the amount it's eqaul to is how much you put into your jar or savings account every week.…
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Azzzaa's sell it all before christmas challenge thread!
As christmas is coming up (fast) and my plans are moving very fast too, I think I best put everything i own into one place, sort through what I actually have and start selling. It turns out i've actually still got a lot of stuff which really needs to go ASAP. Some of the items i'm selling will be put towards my boat fund…
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The NSD 'Shiver Me Timbers' October Pirate Party on the SS 'Swobzedex' Challenge!
October is but days away,and this savvy bunch of nsders have chosen to use this time productively and sail of into the sunset in search of the 'oft spoken about over a roaring fire' nsd treasure chest. As legend has it,this chest was filled with gold,diamonds,sapphires,rubies and then even more gold and a few golden…
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Octobers 'Take your Lunch to Work' Challenge!
Save your £'s by taking your Lunch To Work (LTW)! A new thread for October 2015!! Although the title is 'Take Your Lunch to WORK', ANYONE can join in You can be a stay-at-home-parent, unemployed, work part time or work full time. The point is, buying lunch (or breakfast, or both if you were silly like me!!) from the works…
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Make £10 a day challenge October 2015 - everybody most welcome
:hello: Hello and welcome everybody This is the 98th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but please read as it…
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NST: October: Letting go of the love of stuff.
NST: October : Letting go of the love of stuff. [FONT="]We live in a world of excess. I’m not a minimalist and never will be but I came across this quote recently and it really resonated with me: [/FONT]‘Owning less is great, but wanting less is even better’ [FONT="]Constantly checking out what other people have…
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eBay listing challenge
Hello! This is my new attempt at hosting a goal, if there's already this one then please let me know and I'll hop over and join it but I did have a search though.. I know I have things to sell, and I know I need the money, but I just don't seem to be able to get motivated, I'm hoping this will help kick my bum in to action…
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Debt killing me
Sorry, I'm new to the forum. I took a loan about 15000 in 2008 and due to the problems in 2009 I couldn't meet the repayment. I don't know how to get myself out of this problems since. I've developed a serious hypertension and lack of sleep as a result. please help
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Weekly Savings Challenge 2015
Originlly set up by splodgethefirst last year, I thought this years participants would like a new thread! There are lots of different ways to approach this Starting with £1 in Wk 1 up to £52 in wk 52 starting with 50p in wk1 up to £26 in wk 52 starting with 10p in wk 1 up to £5.20 in week 52 Let us know how you plan to…
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Weekly Spend Challenge w/c 27th September
Morning everyone. So sorry that I forgot to put a thread up last week for those who want to be involved with this. I need to track carefully this week, as I have my son's birthday party today and a funeral to attend later this week, which is going to add to spends. I hope some of you will come and keep me company. Hello…
