We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help

📨 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!

Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!

The Cutting Down Alcohol challenge for December & 2025 :)

Comments

Dark_Sunday Posts: 258 Forumite

14 January at 2:14PM

6/15 please @cathybird

Net Debt: £15,993
AFD Dec 9/14

6
Brie Posts: 15,954 Ambassador

14 January at 5:06PM

no AFD but a decline in amounts so am happy with that as it's progress.

I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php

Check your state pension on: Check your State Pension forecast - GOV.UK

"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅

STRUGGLING DURING THE HOLIDAYS??
click here for ideas on how to cope....Some websites and helplines if you're struggling this Christmas — MoneySavingExpert Forum
7
Wanna_Bee_Free Posts: 2,494 Forumite

14 January at 5:10PM

6/14 please Cathybird

https://forums.moneysavingexpert.com/discussion/6621582/ynab-robber-needs-help-to-execute-the-plan/p1
5
redofromstart Posts: 6,018 Forumite

14 January at 5:29PM

Totally with you on that Brie, I set myself a high target for the month but really I just want to stop having a glass of wine with dinner (and a bar of chocolate after) by default most days. Things here have been a bit pants for the last few months but getting fatter will not help, and drinking all of the wine will not bring Mr Redo back.

cracked and bought some prosecco after a tough day. Still 11/28 for me. Might even open some crisps next.

My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++

GNU Mr Redo

5
cathybird Posts: 16,044 Forumite

14 January at 5:50PM edited 15 January at 4:17PM

January AFD challenge 2025

7 days =

14 days =

21 days =

28 days =

Target reached =

Target beaten =

Entire month =

January targets

Alt80 4/TF

Arkers 13/TF

bamboo socks 7/30

BlueJ94 12/25

Brie 8

cathybird 14/21

clootiedumplin 14/30

CuppaTea 2/25

Dark Sunday 6/15

Dryjan 5/21

dustydigger 24

Justcrackingonwithit 13/25

lantanna

lilian1977 13/31

maggiem 8/10

maman 7/10

manpants 7/31

marahouti 12/25

NeverendingDMP 8/21

Nextgenn 11/14

oceandreamer 9/20

outoftheviciouscircle 8/31

PriceySOS 24

redofromstart 11/28

RobM99 14/30

satchmo1 12/28

Season of Mist 9/28

Shrewbie 2/20

sukeyboo 7/10

tiddles 12/25

Watty1 1/18

WBF 6/14

To see the updated results for January, click here

🌞 🌞 Newcomers welcome! 🌞 🌞

7
clootiedumplin Posts: 24 Forumite

14 January at 7:49PM

14/30 please

6
satchmo1 Posts: 3,372 Forumite

14 January at 8:05PM

12/28 for me today please

What would you get if all you got was what you were thankful for?
6
BlueJ94 Posts: 3,040 Ambassador

14 January at 9:37PM

12/25 please

I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

Debt owed;
*update pending as I've no idea*
DFW Challenges!

PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #14

6
oceandreamer Posts: 677 Forumite

14 January at 11:03PM

9/20 tonight please Cathybird

5
alt80 Posts: 4,675 Forumite

15 January at 8:10AM

Thank you for the welcome back +1 for yesterday

5

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

Categories

All Categories
352.9K Banking & Borrowing
253.9K Reduce Debt & Boost Income
454.7K Spending & Discounts
246K Work, Benefits & Business
602.1K Mortgages, Homes & Bills
177.8K Life & Family
259.9K Travel & Transport
1.5M Hobbies & Leisure
16K Discuss & Feedback
37.7K Read-Only Boards