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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.

Rossendales Debt Collection Agency
I am in the process of my IVA failing due to the payments becoming unaffordable with the IVA company. I am still under protection until I get the failure certificate which can take up to 6 months. I have 4 debts in total, x3 are listed with The Insolvency Exchange, and x 1 listed with Max Recovery. Today, my telephone…
Is there a formula for this Plan?
Hello, Was asked this question this morning by my brother .. How much do I need to invest per annum to receive a lump sum of £12458.00 in 11 years @ 5% interest rates? What is the formula for working this out? thanks in advance steve
Use it or lose it 2015
Hi everyone, I did this a few years ago on here, and it worked really well for a few of us. I've had my second LBM yesterday, and have only come back on here today. In short, my house is full, as are my credit cards. It's been a hell of a year for me, involving a marriage split and real serious health issues. Putting it…
Is a DMP 'making a composition with creditors'
Oops - posted in wrong place and deleted post - sorry :)
how to deal with 10 year old debt
hi, i would be gratefull for any advice. i am on long term esa support group benefit, i have five defaults that i am paying off at between £5 and £10 per month, they range from £400 to £7000 owing so i know i will be paying them for ever, the agencies i pay are happy with my payments and i am up to date. my problem now is…
The Deliciously Decadent December NSD Challenge!
Yes,that's right,December will soon be here! I've been racking my brains to come up with a theme,and really was getting a tad stressed out.....what happens in December after all that's of any interest to a bunch of skinflint-aspiring wallet watchers?After a detailed chat with Father Christmas,he put forward an idea so…
Virtual Sealed Pot 2014 - Take 2!
Welcome to the Virtual Sealed Pot 2014 Challenge. Spam.Jam started a thread in 2009 for a VSP (Virtual Sealed Pot) Challenge. Palema continued the Challenge in 2010, 2011, 2012 and 2013! (Thank you Palema) Flat Eric started the 2014 challenge but due to work commitments had to pass the reigns. I picked this up as I have…
Weekly Saving Challenge 2014
One of my DDD goals for next year is to complete the weekly saving challenge. I am planning on doing it in reverse order (both to be awkward and to pay the biggest sums whilst I am most keen!). The aim is to pay the same amount of money in pounds (etc) as the week number of the year in to a savings account - with the final…
£2 Savers Club 2014
Welcome to the £2 Savers Club ready for the start of a brand new year. 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 length of time e.g. monthly or till December 2014, B)Save for a particular reason e.g. to pay the car insurance, to pay…
The Completely Crazy 2014 Clothes Challenge
It's time again for the challenge to begin. Can you do it? Stick to a clothes budget for the whole 12 months of 2014? Let's see who's up for it! Below is the first post by Lula Hula who ran this challenge for many years and Citizen Kitten who started the thread last year. Hi Guys - so the new thread from Lula-Hula's…
December 2014 ~Make £10 a day challenge~
This is the 88th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir and of course special thanks to Aesop for keeping the thread going. I know this first post is long, but please read as it give…
Pay ALL your debt off by Xmas 2014!
Welcome to the third year of Pay ALL your debt off by Xmas (now) 2014! We can’t start a new year without saying a massive thank-you to the amazing mf0u1098 who started original challenge in late 2011, and a massive thank-you to spagbol who carried us through 2013 (on top of welcoming a new son into the world in November…
NST December Challenge - Festive and Frugal
:xmastree: NST December Challenge – Festive and Frugal :xmastree: During this festive and final month of the year, it is time to reflect on how rich we all truly are and how our lives have been enriched in the last 12 months. Our family and friends are our greatest assets, and during this festive period, it is time to take…
2014 Frugal Living Challenge
[FONT=&quot] [threadbanner]box[/threadbanner] [/FONT]The Frugal Living Challenge 2014 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. Please take the time to read this post in…
20p Savers Club 2014
Hello and Welcome to the brand new shiny 20p Savers Club 2014 :D This thread runs similar to its sister thread the £2 Savers Club; there are no rules as such and you can join at any time of the year. The main aim is to have fun and pop in occasionally to post how you're getting on. Should you wish to join, feel free to pm…
Challenges Board Sticky - 2014 - Please read for a list of challenges
:staradmin:staradmin January 2014 - need some extra inspiration, take a look at How much did we pay off in 2013? and add your amount to that thread. Hello All This is a list of challenges that will hopefully motivate you on your debt free journey or help you with your money saving goals. This list was originally complied…
Roadkill Rebels December 2014
Hello Roadkill Rebels, Welcome to the December Challenge. Hope you find loads of roadkill this month! What is roadkill? Money found outside of your home and/or car - it has to be money that genuinely wasn't yours or your family's before you found it! So if you find it down the side of the sofa, it doesn't count! Exotic…
The 'extra payment every week' thread 2014
Lets get ready to ruuuuuumble! Happy 2014!! Hi guys, firstly I want to say thanks so much to inamin for starting this thread in 2012, and to Betty Crumble for running it last year. In their absence I've decided to set it up again this year, I hope that's ok! It's kept lots of us on track and helped clear thousands of extra…
*~* January 2015 *~* Make £10 a day thread!
Ignore this thread :)
52 week challenge
Is there a link to the 52 week challenge I can't find it anywhere xx

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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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