-
Payment a Day - Chapter 2025
Small Payments. BIG Impact. Making a small (or large) Payment a Day (PAD) - or whenever your budget allows - towards debts or savings all adds up really quickly! And can change your financial future... Hey everyone, Welcome to the Payment A Day - Chapter 2025 challenge! (this will start from 1 January 2025) We've decided…
-
The 365 Day 1p Challenge 2025
This challenge has been running for a number of years and is so popular I have agreed to run it again in 2025. If you wish to join please post on this thread and I will allocate you a number which should be quoted when you update on your progress. You can do this either using cash in a jar or virtually by transferring to a…
-
Pay off all your debts by Christmas 2025!
Welcome to Pay ALL Your Debt Off By Xmas 2025 Firstly I would like to welcome all new and existing members from last years thread (New numbers will be allocated for 2025). Thank you for last year! Anyone is welcome to join this challenge and it is NEVER too late. There is also no amount of money too small or too large that…
-
2025 - 52 Week Envelope Saving Challenge
Save £1378 in 2025! Welcome to the '2025' 52 week envelope savings challenge! This challenge ran the last couple of years and I have been asked to set it up again for 2025. It can really boost your savings pots and help with paying for Christmas, or a family holiday...anything you like really! It can be done wither with…
-
Tilly Tidy in 2025
Welcome old and new Tilly Tidy Peeps to this group. It is all about getting what we can together from next to nothings and making something of the small bits of change. Whether that is going towards any debt or just being used to keep your head above water. No shame, of gathering those little coppers. No judgement, of how…
-
Tilly Tidy 2024
Hi All, this is a small start to getting savings together. It's that simple. We all have varying reasons of doing a Tilly Tidy (TT) some of us have not got a lot to play with i.e spare change to start saving with. Some are on a more advanced way of getting there. There is no judgement - it's just about starting that ball…
-
Joyful July's No-Spend Days Challenge!
Welcome to 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…
-
NST JULY
Ninja Saving Turtles JULY 2025 The turtles get together each month with the aim of getting out of debt, saving (to buy a house, take the trip of a lifetime, pay off the mortgage or retire) and live within our means whilst having fun. We encourage, sympathise, office helpful hints and celebrate wins. No turtle gets left…
-
Pantry challenge
I have about a month’s worth of food in my cupboards and freezer. I should probably keep it in case I loose my job but in the interest of food hygiene I’m going to eat it all up so my cupboard is bare. For people who don’t know how to do a pantry challenge the challenge is to save money on your food bill by only buying…
-
Fiver Friday Challenge 2025
Hello all, I've previously taken part in the 365 1p challenge but due to a change in work circumstances I won't be able to participate in 2025. Instead I'm going to try Fiver Friday where I'll attempt to put away £5 every Friday into a savings account. Should mean I have £260 by the end of 2025. I couldn't see a thread…
-
Sealed Pot Challenge ~ 18
PLEASE READ THROUGH THE RULES AND THE CHANGES FROM NOW ON! A very warm welcome to another Sealed Pot Challenge, our 18th! Due pto the Cost Of Living, I suggest we all save in the best way possible for each of us: if some still prefer to stick to cash, then please do so. Those wishing to use debit cards, or save via the…
-
1% challenge 2023
Welcome to the new home for the 2023 1% Challenge - 100 ways to make your 1%. This challenge was started a couple of years ago by Little Miss Uni Debt, I started using this challenge last year and found it really helpful in focusing on paying off a more manageable amount at a time! I’ve copied below Little Miss Uni debts…
-
A Totally FREE Christmas 2025
I thought it might be interesting and worth while to create a new thread:A Totally Free Christmas 2025A totally FREE Christmas involves some gifting sacrifice, recycling & upcycling the old, online cashback sites, and saving up supermarket loyalty points etc from different Supermarkets using phone Apps. Feel free to make…
-
£2 savers club 2025
Welcome everyone to the £2 savers club for 2025. As always, the aim is to collect every £2 coin you can lay your hands on! It is entirely up to you whether you want to: A) Save for a particular reason e.g. to pay the car insurance, to pay for a family holiday or to buy birthday presents throughout the year, B)Save until…
-
NST June 2025: balance
NST June 2025: Balance June’s challenge is going to be a simple one. Balance. 1) Seek balance in your life. Energy out v energy in.
The work/life balance. The ‘happy medium’ is different for each one of us. Seek
your own balance and enjoy living. I like to break it down to Health, Wealth
and A Life Well-Lived , to ponder…
-
Jubilant June's No-Spend Days Challenge!
Welcome to Jubilant June'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…
-
Next steps: Unaffordable Lending complaint
I have filed unaffordable complaint with MBNA and just got a letter from asking for the following details: “- A testimony of your version of events from time of the lending to understand why you’re raising this complaint now. Has there been a change in circumstance i.e., employment, vulnerability etc. which has led to you…
-
3 - 6 month Emergency Fund Challenge (part 2)
Hi All, I hope you all had a lovely Christmas. As we go into 2019 we are moving forward with the 3 - 6 month Emergency Fund Challenge and as such a shiny new thread here for part 2. The old thread is here. Your goal can be as much or as little as you want. Some aim for 3 months spending, others 3 months income or even push…
-
NST May 2025: Film fun (+ financials)
NST May 2025: Film fun (+ financials) Welcome to the May NST challenge! Here we are, month 5 of
the year already, 2 bank holidays and lots more sunlight. Greenery is sprouting
up everywhere and, love it or loathe it (thinking of you hayfever sufferers),
colour will be returning to the land. F is for financial independence.…
-
Saving for Christmas 2025 - £1 a day
The Aim: To save a £1 a day from 1st December 2024 to 30th November 2025. How you save your £1 doesn't really matter, whether it be a £1 in a tin, an on-line account or anywhere else that suits you. 🎄 Getting ready for Christmas 2025 - save £1 a day challenge 🎄 Also, I just want to say, you don't have to save £1 a day, do…
-
Magnificent May's No-Spend Days Challenge!
Welcome to Magnificent May'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…
-
Am I liable for this debt
Hi, I'm not sure if this is the correct area but I am after some advice. I checked my credit file a few weeks ago to find a random default on my it, the amount is only small £65. But I can't see how I am liable for the debt, and it's principle that's stopping me just clearing it. Reverse to 2020 and I was going through a…
-
Amazing April's No-Spend Days Challenge!
Welcome to Amazing April'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…
-
Are you wombling, too, in '22?
What is wombling? In the words of Bobarella, the founder of the earlier wombling threads: "Wombling is at its most basic level finding things. That you can use and someone else decided they couldn't. When I started this challenge in January of 2015, I used to Womble a lot of brand match coupons, these were just like…
-
NST April 2025 A Pirate Life For Me
Ninja Saving Turtles April 2025 A Pirate Life For Me Pirates (those who steal on the open seas) have been around since the Ancient Greeks - "Where there is a sea there are pirates" (Greek Proverb) to modern day. The Golden Age of Piracy (1680s - 1720s) coincided with the expansion of the English (later British) Empire.…
-
Marvellous March's No-Spend Days Challenge!
Welcome to Marvellous March'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…