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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…
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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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Marston Debt Collectors - Enforcement Fee
My debt to the council tax was passed to Rossendales who then passed it to Marston. One payment was missed when another company charged me twice and emptied my account. I contacted both the council and Marston but Marston are claiming an enforcement fee of £250 which is exactly one quarter of the original owed sum?? There…
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Advice is appreciated
Hi everyone, Im new to this and have read some posts over the last few days. I currently have about 20K debt over my head which I’m really wanting to clear but unsure wether an IVA is best to take out or I’m unsure what defaults are which I’ve read a lot about on here? i currently pay a loan, credit cards and I’m also self…
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NST March 2023 LIONS and LAMBS
Ninja Saving Turtles Challenge March 2023 LIONS and LAMBS The month of March has just blown in To say that Spring will soon begin March roars in like a lion with a bluster and a slam! And tiptoes out gently like a quiet little lamb So are you a lion Sometimes you have to be a lion so you can be the lamb you are (Yvonne…
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1p challenge
Hello can I be added to the 1p savings challenge please?Haven’t posted since 2012(!) so not sure if I’m in the right place…..
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Moved discussion
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Being chased for an old debt over 15 years old
Hi, I've recieved a letter from resolve call for a credit card debt which they obtained from capquest, I've not heard anything on this debt for more than 15 years and as far as I'm aware I've never been given a ccj concerning it I'm just wandering where I stand
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Fabulous February'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 February. 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.…
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NST: February 2023 Freedom
Welcome to the February 2023 NST challenge. We are seeking freedom. 100 days from now, we’ll be well into May. The months will
pass anyway, so we want to do something memorable/important/necessary/fun with
the time. Back in 2021, grandmanerd was mothernerd, and she wrote: The
Ninja Savings Turtles gather together each…
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Feb update
Number 52 reporting in . £17.70 which I think is the correct value, missed a few days..
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Make an EXTRA £10 a Day in February 2023
Following the MASSIVE successes of January, here is the FEBRUARY thread of "Make an Extra £10 a Day challenge!" For anyone looking for a new challenge to get their money looking a little healthier, jump onboard to see what you can achieve! The purpose of this challenge is to try and make an extra £10 a day on top of your…
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Time barred debts - Scotland
I had a DMP which due to health issues was unable to continue in 2019. I haven't made any payments to creditors since then and am now receiving palative care. When checking my credit files it shows that I am in default/non payment/ no data since 2017 for my debts. Most debts have changed hands between several debt…
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Fabulous February'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 February. 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.…
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Joyous January'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 January. 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.…
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Make an EXTRA £10 a Day in January 2023
Here is our all new, New Year, fresh start, Make an Extra £10 a Day challenge! For anyone looking for a new challenge to get their money looking a little healthier, jump onboard to see what you can achieve! The purpose of this challenge is to try and make an extra £10 a day on top of your normal income to help things…
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Sell to live for a year 2023
Tried this in 2016 managed till Sept which is good for me . Given cost of living rises and the amount of stuff in my house time to gumtree /facebook/boot sale the clutter and get space to breathe .I have a facebook art gallery page so hoping to pay for my hobby through this and eventually top up my pension through this too…
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Take Your Lunch to Work- January 2023
This challenge used to run monthly up until a couple of years ago and I always found it very motivating. Its all too easy to think, I'll just buy a meal deal at lunch time and gone are the days them meal deals cost £3. They are much nearer £4 now. Between myself and DH we are spending close to £40 a week to eat lunch. More…
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NST January 2023 Best Possible Me
NST JANUARY 2023 The Best Possible Me Welcome to the Ninja Saving Turtles Challenge for January 2023, which runs throughout January (00.00 on 31st December 2022 - 23.59 pm on January 31st 2023). For many of us it has been a tough few years and many of us will face tough times and tough decisions in the year to come. But we…
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Alternative living, off grid...Static, Camper, Boat?
Im seriously looking at getting out of conventional living, our rent/rates/energy totals will soon hit £7200+ per year, off grid is looking more attractive day by day With a £10,000 budget i could JUST scrape a static caravan but annual site fees might be a problem A campervan/motorhome needs insurance and MOT/Tax Unless…
