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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.

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…
£1k emergency fund challenge?
Are there any £1k/starter emergency fund challenges running currently? Thank you!
Debt Free as of today.
5 years ago following a divorce i managed to somehow run debs and loans up to the grand total of almost £30k. This happened despite having a good job and wanting to get everything done on my house asap and trying to accommodate too many things at once. Well its being a long time coming but as of today all that debt is…
Dealing with Bailiffs (CDER Group). Please help.
Hello everyone, I searched through all the forum topics and this seemed the most appropriate. Please move if it's not. My sister & her husband moved into a new home just under 4 months ago. This morning a debt collector (calling himself a bailiff) turned up at my sister and her husband's home to chase a 7 month debt.…
Cash Stuffing
Does anyone here cash stuff? (I think it's an American thing but catching on elsewhere) My daughter started hers a couple of months ago and I've now started it. Since starting it I have managed to save money towards car insurance, home insurance, car maintenance etc for next year using money that would've been in my…
USE UP ALL COSMETICS BEFORE BUYING ANY MORE
So I went through all of my make up, shower gels, body lotions etc and…………it’s bad
Make £10 a day in June.
Here is the shiny new thread for May. 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…
Jubilant June's NSD Challenge!
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during June. To join, just post your personal target and you are on your way! Tips for the challenge: 1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve. If…
NST June 2023 Flotsam and Jetsam
NST June 2023 FLOTSAM and JETSAM We all use the phrase 'Flotsam and Jetsam' to mean all sorts of odds and sods but the words have specific legal meanings. When a boat is sinking, any cargo which floats off into the water as a consequence is Flotsam. Any items jettisoned by the crew in an attempt to save lives or the vessel…
Make an Extra £10 a Day in Marvellous May
Here is the shiny new thread for May. 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…
NST Sweet May 2023 - Pick 'N' Mix Challenge
Here it is turtles, be gentle with me!! Everyone is welcome to join, turtles new and old, lurkers and occasional posters. Ninja Saving Turtles Challenge May 2023 The sweet month of May pick ‘n’ mix selection When the British institution Woolies’ collapsed in 2008/9, the officially-certified-last-ever bag of pic ‘n’…
Magnificent May's NSD Challenge!
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during May. To join, just post your personal target and you are on your way! Tips for the challenge: 1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve. If…
Marvellous March's NSD Challenge!
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during March. To join, just post your personal target and you are on your way! Tips for the challenge: 1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve. If…
NST April 2023: April adventurising
NST April 2023: April adventurising 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…
Make an EXTRA £10 a day in Amazing April 2023
First time starting a post like this, but it appears @CMD79, has not been around lately, so we are hoping she is ok and attempting to start the new thread. 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…
Amazing April's NSD Challenge!
This challenge is about setting yourself a weekly/monthly target of how many No Spend Days you would like to achieve during April. To join, just post your personal target and you are on your way! Tips for the challenge: 1. Decide on a clear goal weekly or monthly of how many No Spend days you'd like to try and achieve. If…
Payment plan
I have an American Express account that’s getting out of hand with interest, I’ve been offered a payment plan with them which will get it repaid quicker and there will be no more interest, however they can’t tell me what that could do to my credit score. I want my debts paid but I don’t want to make it harder to get…
Make an EXTRA £10 a Day in March 2023
February was a fantastic month for Make an Extra £10 a Day challenge, and saw a number of participants achieve their Personal Bests, which is so inspiring - particularly for the shortest month! Here is the MARCH thread ready for some Spring Joy! For anyone looking for a new challenge to get their money looking a little…

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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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