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Newbie here
Not sure how to start this any help appreciated. Issy
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Saving for Christmas 2023 - £1 a day
🎄 Getting ready for Christmas 2023 - save £1 a day challenge 🎄 I know a few of us have enjoyed doing this challenge over the years so I thought I'd host it again this year, please let me know if someone else has already started, if not here we go The Aim: To save a £1 a day from 1st December 2022 to 30th November 2023. How…
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NST: November 2023 – Sparkle
NST: November 2023 –
Sparkle Welcome to the last month of autumn, and the beginning of a
new Turtle adventure. We aim to simplifying our lives so that we can fly
freely. (Now there’s a thought: flying turtles…) We are the Ninja Saving
Turtles and we set ourselves monthly challenges that stretch us and engage us
and keep us…
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Debt Collector Advice (Originally Sky)
Beginning of 2022 I received letters from BW legal, acting on behalf of JC International, stating I owed £500 from a Sky subscription. I disputed the claim with them and was told I had to prove I didn't owe the amount. I asked them what the amount was for they told me it was made up from outstanding premiums and the…
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Sealed Pot Challenge ~ 16
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 16th! I must admit to it being a worry of what to do about SPC for the last couple of years given the Corona virus and all the changes it's brought to us, not to mention the world. However, due to a lot of…
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Nifty November'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…
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MAKE £10 A DAY IN NOVEMBER
Here is a nice new thread for November. . Get creative and lets see how we do this month. Threads like this have been going for a while now and really seem to motivate people. So come on everybody, this is the place to post how much money you have made each day, over and above your normal income. This can be from selling…
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Swimming up hill
Can anyone help pleeaaassee after a couple of difficult years I have just found out I have a CCJ from 2 years ago. I want to pay it off, I have the ref number, but, I don’t know who it is from or what for. I have been on hold with Civil Business Court for 34 mins already just to try and get the info. I have paid for Trust…
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Partial settlements / Final Lump sum payments
Hi, I wondered if you could advise on whether a PS (partially settled) flag on your record for making a lump sum payment would effect your credit rating? Or is it better to pay the debt in full if you can? Thanks
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Make £10 a Day in October
Here is a nice new thread for October. . Get creative and lets see how we do this month. Threads like this have been going for a while now and really seem to motivate people. So come on everybody, this is the place to post how much money you have made each day, over and above your normal income. This can be from selling…
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Outstanding October'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…
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NST October 2023 A New Start
NST October 2023 A New Start The Ninja Saving Turtles are all about clearing debt or saving for the life we want. We take a holistic approach and aim to make the sometimes tedious work of getting out of debt as much fun as possible. We offer support and encouragement, share our own experience and are ready with hugs and…
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Take your lunch to work - September 2023
Couldn’t see a thread for this month but hopefully there’ll be some fellow lunchers joining me, I really need to rein in my spending after an expensive August. I worked two days this week but only one in the office so took a lunchbox of half a pouch of Mediterranean style lentils with tomato, avocado and hard boiled egg 😋…
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The 'Towards a Sugar-Free Future' Challenge
I've been struggling with my sugar consumption for years and no matter how hard I try I don't seem to be able to just cut it out. I've tried everything I can think of over the past five years but nothing's worked. It's time to try an approach that has worked for something else.Just over seven years ago I joined the Giving…
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Make £10 a Day in September
Here is a nice new thread for September. . Get creative and lets see how we do this month. Threads like this have been going for a while now and really seem to motivate people. So come on everybody, this is the place to post how much money you have made each day, over and above your normal income. This can be from selling…
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NST September 2023: Turtle Tightwaddery with a sprinkle of Alchemy
NST September 2023: Turtle Tightwaddery with a sprinkle of Alchemy At the start of the year, I ‘resolved’ to fully read my copy of
The Complete Tightwad Gazette. Ages ago, I read about 1/3 of it, but I’d not
marked any pages or made any notes from it. So my resolution also involved lots
of those small coloured post-its and…
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Splendid September'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…
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Divorced / charge placed against my property
Hope someone can help. I divorced many years ago when my children were very young. in the settlement my ex got the insurance policy (around 20k at that time) I got to keep the property as I had also provided the deposit for it and made most of the mortgage payments ( he did not work much then became registered disabled…
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NST Awesome August
NST Awesome August The Ninja Saving Turtles aim to get out of debt or save for the life they want (pay off the mortgage/ retire early/ live well on a modest income). In addition to our main aim we believe in a holistic approach to our health and lives. We encourage, commiserate and celebrate as appropriate and we aim to…
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Awesome August'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…
