Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%
We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Make an EXTRA £10 a Day in January 2023
Options
Comments
-
Well I'm doing very well this month. I have sold some bits (including a set of alloy wheels) on FB marketplace so can declare:-
£128 from FB sales
£1.50 using a coupon
Mortgage - £2338.07 paid off Feb 2023 BTL 1 £51,089.10 £35789.36 paid off July 2025 BTL 2 £81,504.52 BTL 3 £77,497.021 -
I have just £5.80 to add from Prolific. I have over £18 pending but some of them have been pending over a week now. It's very slow.
I have just logged into my Toluna and Qmee accounts for the first time in years after seeing that some of you are getting successes from there, I thought I would give it a go.
I still have £16.70 to come from those free spins I did. They suspended the account for me to validate my age but didn't actually tell me so I've been waiting over a week for that to land in my account.
Don't think I'll quite make the £310 this month but I always knew it would be a tall order. I'll keep trying for the next 4 days though.
Total currently £203.652 -
Apologies for the essay, this is where I am…
I hope this information may be useful somehow. One thing I really like and appreciate about this challenge is how it fits into a bigger picture of generally being more mindful and savvy about money, not spending, it’s quite an achievement I think whether you gain £30 or £1,000 in a month, and I think all the lovely people in this discussion should be proud. I’m grateful for specific information shared here that has allowed me to join the likes of Prolific and Curious Cat. I’ve also been inspired to actually do the First Direct switch so £175 should be with me soon.
I’ve gone through my target of £465 after someone contacted me to say they’d missed an auction on eBay and could they buy a book immediately. So they did and paid straight away. I’ve been surprised at how much I’ve been able to sell some books for while others have had zero interest of course.I felt I’d struggle a bit with this target but I’ve still got £12 to come out of prolific (maybe too late now for this month?) and some eBay items ending on Sunday. I’m thinking the minimum from this will bring £10. I was thinking I’d also go to Cash for Clothes but haven’t got there and will add to my pile of what’s going and take it next month.
what has got me this far has been a surprisingly encouraging amount from eBay last week, with clothes suddenly picking up interest. With Prolific and Curious Cat early morning or evening, I have made more than £40 so far this month which I really appreciate. Mystery shopping hasn’t proved worthwhile for me really and I can’t justify the time these days.I have taken out the £50 Cashback offer with Wealthify through MSE and have earned 2p in interest. 😃 I also have a long neglected and recently much depleted stocks and shares ISA and that has finally consecutively gone up throughout this month, I do think this is eligible to count in this challenge if I can record how much it has gone up over the whole month, I just overthink things and think ah, but what if it goes down the next day? 🤦🏻♀️ Adding this, if it remains in the right direction, will take me over £500 for January.
I feel like I’m coming to the end of a readily accessible supply of things to sell but have reminded myself I enjoy it so will keep going. Very happy to get rid of stuff. I have the beginnings of a potiential car boot sale with larger items, but can’t bring myself to sell on fb marketplace because of how it turns out with time wasters and people who are a little weird.I need to look into Vinted and Depop as I have clothes from my daughters to sell and just not the buyers on eBay.
I’ve been informed that I’m potentially owed £600+ after overpaying tax so this has been a big help for anxiety around work finances.I’ve had the most dreadful years of trauma and loss and know 100% that money really isn’t everything but doing this has had a hugely rewarding feeling of being in control.
Ah thank you if you’ve stuck with my meanderings in this post and wishing you loads of love and luck as the end of the month approaches.3 -
Banked a cheque for 145.15 I dithered about including this as it is rent for an electricity board box that sits on the edge of the garden but decided to because it was the challenge that made me bank it. To take it to the bank and pay a cheque in over the counter is a fairly long drive and meant taking 90 mins off work. I discovered that I can pay cheques in at the post office so next year when the cheque turns up I can pop it into the village and wont count the money because it is property rent not challenge - but - banking the cheque each year as always seemed a challenge to nice to know about the post office.
Total 409.05/310 so smashed it. Also feeling reflective.
Like @MrsCautious the challenge has also helped me reflect a bit. I'm dealing with a lot of personal trauma after splitting from my partner of over 25 years. I'm facing a very different financial future as all the decisions I made were for our "joint future" and yet now we do not have one I find he was the winner (we were not married so paying off the mortgage on a jointly owned house instead of creating a personal pension was a stupid idea). This month whilst thinking about the challenge I've also been looking at my spending. My default has been to "throw money at the problem" I have a horse recovering from life saving surgery but it has been a long haul. I've had to buy lots of stuff that certainly was not cheap (vet wrap, dressings, masses of animal bedding) and I'm exhausted which has led to more wine and quick convenience meals that I would like. I smashed the target but for me the big take away is that i can work to a future when I can genuinely spend less in a meaningful way. Yes my life is chaotic at the moment but the joy in it did not come from eating out at a couple of restaurants when too exhausted to cook (expensive) but rather from gossiping with a pal over a £3 cake and coffee at the local church.
I made this months challenge mainly due to a bonus piece of work, a premium bonds win and a cheque that was laying about but I also learned I have a lot of stuff I can declutter. Some of it I will sell, some of it I will donate. I cleared a cupboard and took a large box of vases and candlesticks and just stuff to the charity shop. I think the challenge has given me a gratitude I didn't expect. I know my credit card will be horrendous this month as I've been just paying for stuff on it. Equally I know when I have time and energy I will begin the long road to financial recovery that this month started.
Thank you all for your company this month and special thanks to those that gave me ideas for sites and shopping and so on. I might not have used them all yet but they are in my toolkit now.
Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!4 -
Afternoon,
It has been slow going but I've made £2 on vint, £8.28 on eBy and £20 cash on FB. Not sure I'll hit my target but I'm happy with the total regardless. I don't have time to do surveys and I find them repetitive and boring lol. So selling stuff has been my extra income.#13 140.37/155
LLMWhen life throws you a curveball, learn to catch it and throw it back! Feb Grocery Challenge/£1001 -
Well done @Watty1, sorry to hear about your split with your partner, but good luck for the future. This forum helps so much and becoming reflective is a good thing, something that I have started to do very recently.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
It's so lovely to her how this challenge has helped people in so many different ways. As I've said previously, I was part of this challenge 10 years ago when it really was a little community and it was nice to check in everyday to see how people had got on that day. It really feels like it's getting back to that.
In other news, I'm pleased to say I am able to update again today. I got my account sorted from the free spins I had and £26.70 hit my bank today. I've taken off £10 as that was what I deposited in the first place.
This takes my total to £214.73/£310.00
I also completed 3 tasks on Shepper today. They will take maybe a week to pay out so that will probably be added to February total now. Do any of you use this app. Some of the tasks are worth while if you are in the area.
Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%2 -
I'm slowly getting there, my 3 tasks paid into my account late last night so that's another £17.35 to add. I also cashed out a £5 PayPal voucher from Swagbucks but they can be pretty slow hitting my account so I'll wait to add that for now.
Total now £232.08/£310.00
Unless there is some sort of miracle, I'll miss target this month but I didn't even expect to get this close.
Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%2 -
outoftheviciouscircle said:It's so lovely to her how this challenge has helped people in so many different ways. As I've said previously, I was part of this challenge 10 years ago when it really was a little community and it was nice to check in everyday to see how people had got on that day. It really feels like it's getting back to that.
In other news, I'm pleased to say I am able to update again today. I got my account sorted from the free spins I had and £26.70 hit my bank today. I've taken off £10 as that was what I deposited in the first place.
This takes my total to £214.73/£310.00
I also completed 3 tasks on Shepper today. They will take maybe a week to pay out so that will probably be added to February total now. Do any of you use this app. Some of the tasks are worth while if you are in the area.1 -
I also found these forums helpful. When I split up with my husband and my son was 1 year old I didn't know where to turn so I put up a thread on here and got loads of advice and help. I couldn't be more thankful to these forums.
Oooh also my total is now...382.70. Woo hoo! Hoping for another tenner but we'll see!
JAK
x2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: £17.70 £10 a day Feb: £571.09/£280 March: £311.96/£3101
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.1K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards