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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.

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…
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
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…
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…
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…
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 😋…
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…
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…
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…
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…
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…
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…
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…
Make £10 a day in August
Here is a nice new thread for August. . 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…
Take your lunch to work - August
As August starts on Tuesday new shiny thread all ready. I have four portions of soup ready in the freezer but an empty fridge and fruit bowl so need to shop bearing this in mind.
Take your lunch to work -July 2023
This thread seems to have disappeared again however I do know a lot of the regular posters are still active on the board. It's useful to encourage each other to take food to work or college/university so as to discourage spending on sandwiches, meal deals, sausage rolls and pasties and - In the office I am based, fish and…
PERCH CAPITAL BAILIFF COUNTY COURT LETTERS
Hi all I hope you can help me? I have received today x2 identical letters from HM COURTS TC MILTON KEYNES demanding I pay a sum of money to Perch Capital(1098.97). They are coming Monday apparently (Bailiffs)? I dont know the debt and have had no contact as I am in a hospital at present. I will be for another two weeks,…
Make £10 a day in July
Here is a nice new thread for July. . Get creative and lets see how we do this month. Threads like this have ben 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 stuff…
Joyful July'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 July 2023: Jurassic July
Welcome to a new NST (Ninja Saving Turtles) challenge! NSTs are a group of Money Saving challengers from all over the place, who are always up for new money saving ways, fighting our way to debt freedom, sharing tips and new money saving discoveries, general chat, support and good humour! This challenge is open to…

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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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