The "Pay ALL your debt off by Xmas 2012" challenge - PART 3!!!

Hey everyone, it's me again!!!

On 15th November 2011 I created a challenge to pay off all my debts by Xmas 2012. Along the way I am proud to have been joined by over 300 wonderful people who all have the same goal in mind, to be debt free by Xmas 12. :A

So far, we have have pledged to pay off over £3million and have so far already paid off over £300,000 in just 19 weeks which is phenomenal.

On the next few posts are the lists of all our lovely members and their totals paid off versus what they started the challenge with. Don't worry about working out the % as I can do this for you, although I will put how you can work them out for yourself on one of the next few posts!

We also have a weightloss challenge on this thread as well as a mini weekly challenge run by our lovely Kerri_DFW. Kerfuffle (thank you! x) has been compiling these challenges and I have put them one of the next posts.

There is also an information post where you can get tips on what the lingo is on here as well as help on Snowballing, creating signatures and subscribing to a thread. In addition we have a post showing our monthly grand totals and a running total for how much we've paid off so far in the challenge.

One of the best posts is our very own DFBX12 Roll of Honour post. Two of our members have already achieved debtfreedom and are an inspiration to us all. :T This has led to a new savings challenge post so that new debt free'ers can keep focused to start saving with the support of everyone on here so they are far less likely to go back to their old bad habits.

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 will stop you from joining this challenge. We have severals members who will be on their debt journey for several years to come but they are part of this thread to pay off a fixed amount of their debt as the support on here is fantastic!

I am so immensely proud of everyone on here. I feel incredibly humbled to have started something that has helped change people's lives. BUT it is the people on here that have made this challenge a success and it would be nothing without the input, support, kindness and humour of all our members. We are from all different walks of life and we have got into debt many different ways but noone is EVER judged and it really has a family feel to it.

So, if you think you can pay off all your debts by Christmas or have a goal to pay off a certain amount then please join in!

I usually update every couple of days so please be patient waiting for your number but it's not necessary to have one to be a member, just get stuck in and start posting!!!

Good luck everyone and I hope you like PART !!! :j

Here are the links to Part1 and Part2 if you want to get a feel for what we are all about...

Jemma xxx
New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

Debt at Highest: £43,073 :eek:
«134567490

Comments

  • mf0u1098
    mf0u1098 Posts: 1,595
    Combo Breaker First Post
    Forumite
    edited 17 January 2022 at 11:59AM
    The Trusty Team:

    001 :j mf0u1098 £11,646.70 /[STRIKE] £16,736.45 [/STRIKE] 69.59%
    002 :j charleyroo £8,000
    003 :j CW2 £7,606 /[STRIKE] £12,459 [/STRIKE] 61.05%
    004 :j loubie_lou £5,000.00 /[STRIKE] £13,678.00 [/STRIKE] 36.56%
    005 :j kerri_dfw £0 £3,420
    006 :j Suzitiger £635 /[STRIKE] £5,353 [/STRIKE] 11.86%
    007 :j mumfirst £9,958.67
    008 :j Shopping_addict £6,431
    009 :j eldestofthree £12,000
    010 :j rjh35 £7,540.00 /[STRIKE] £15,461.76 [/STRIKE] 48.77%
    011 :j antonia1 £2,545 /[STRIKE] £4,795 [/STRIKE] 53.08%
    012 :j his missus £4,120.00 /[STRIKE] £6,583 [/STRIKE] 62.59%
    013 :j fritterprincess £6,500 /[STRIKE] £8,500 [/STRIKE] 76.47%
    014 :j debtfreeeju £1,559 /[STRIKE] £9,650 [/STRIKE] 16.16%
    015 :j emiesq £10,000
    016 :j jakes-mum £7,531.89 /[STRIKE] £8,806.89 [/STRIKE] 85.52%
    017 :j beachie £1,117.01 /[STRIKE] £4,000 [/STRIKE] 27.93%
    018 :j RoobyNooby £1,800
    019 :j mazy_m £6,900
    020 :j Deniseg4 £17,550
    021 :j Flossy87 £949.82 /[STRIKE] £8,334 [/STRIKE] 11.40%
    022 :j Clarienne £2,423.57 /[STRIKE] £8,379.50 [/STRIKE] 28.92%
    023 :j Natlie £4,200 /[STRIKE] £9,800 [/STRIKE] 42.86%
    024 :j forgottendreams £2,990 /[STRIKE] £6,100 [/STRIKE] 49.02%
    025 :j Bobley £6,000
    026 :j MrsAckroyd £10,000
    027 :j GreenSaints £5,781.40 /[STRIKE] £22,922.39 [/STRIKE] 25.22%
    028 :j banwa £5,930 /[STRIKE] £15,000 [/STRIKE] 39.53%
    029 :j lulalolly £1,619 /[STRIKE] £8,276 [/STRIKE] 19.56%
    030 :j salkunh £848.22 /[STRIKE] £38,028.13 [/STRIKE] 2.23%
    031 :j savingforarainyday £260.91 /[STRIKE] £7,145 [/STRIKE] 3.65%
    032 :j catapa £3,600
    033 :j jimmytwoshoes £3,373.96
    034 :j moneymakermum £9,521
    035 :j sydneybean £608 /[STRIKE] £5,592 [/STRIKE] 10.87%
    036 :j Shellgsxr £2,817.73 /[STRIKE] 6,157.85 [/STRIKE] 45.76%
    037 :j alamaya £46,042.38
    038 :j Miss Information £694.33 /[STRIKE] £2,529.33 [/STRIKE] 27.45%
    039 :j jamescarsonlee £497.81 /[STRIKE] £10,442.39 [/STRIKE] 4.77%
    040 :j GemmaB1 £14,440
    041 :j snoopyfan28 £376 /[STRIKE] £8,000 [/STRIKE] 4.70%
    042 :j PammyH £6,500
    043 :j rosiest £6,679 /[STRIKE] £12,911.70 [/STRIKE] 51.73%
    044 :j shrekkiegirl £2,365 /[STRIKE] £9,230 [/STRIKE] 25.62%
    045 :j SEASHELL £16,563
    046 :j May-13 £14,128 /[STRIKE] £14,128 [/STRIKE] 100.00%
    047 :j sam09 £4,842 /[STRIKE] 12,724 [/STRIKE] 38.05%
    048 :j CraftyTwinkle £2,530.98 /[STRIKE] £10,369 [/STRIKE] 24.41%
    049 :j recurrent-ostrich £7,100.28 /[STRIKE] £10,000 [/STRIKE] 71.00%
    050 :j seriousDFW £5,076 /[STRIKE] £10,722 [/STRIKE] 47.34%
    051 :j Nickyanne123 £1,795.40 /[STRIKE] £14,247 [/STRIKE] 12.60%
    052 :j ibnimmo £44,700
    053 :j JayneTay £280 /[STRIKE] £5,000 [/STRIKE] 5.60%
    054 :j Katiec950 £9,303.86 /[STRIKE] £10,678 [/STRIKE] 87.13%
    055 :j InsertWittyName £15,076.21 /[STRIKE] 16,570.76 [/STRIKE] 90.98%
    056 :j dd1981 £4,695.95 /[STRIKE] £9,793.81 [/STRIKE] 47.95%
    057 :j PedroMatias £9,607.76 /[STRIKE] £17,227.93 [/STRIKE] 55.77%
    058 :j hazelc56 £1,038.39
    059 :j Choc-addict £785.86 /[STRIKE] £29,979.60 [/STRIKE] 2.62%
    060 :j idristhedragon £100 /[STRIKE] 1,900 [/STRIKE] 5.26%
    061 :j plum44 £17,845
    062 :j Xandersmum £500 /[STRIKE] £8,950 [/STRIKE] 5.59%
    063 :j Malmol09 £2,730.65 /[STRIKE] £17,630.02 [/STRIKE] 15.49%
    064 :j theposhbint £534.30 /[STRIKE] £13,210.36 [/STRIKE] 4.04%
    065 :j Kerfuffle £4,396.32 /[STRIKE] £11,616.56 [/STRIKE] 37.85%
    066 :j StrawberryR £997 /[STRIKE] £6,160.16 [/STRIKE] 16.18%
    067 :j rusty1987 £208.41 /[STRIKE] £6,527.50 [/STRIKE] 3.19%
    068 :j psychopathbabble £5,586.70 /[STRIKE] £6,492.82 [/STRIKE] 86.04%
    069 :j lemonpopsicle £7,100 /[STRIKE] £7,719 [/STRIKE] 91.98%
    070 :j RosaBernicia £510 /[STRIKE] £11,195 [/STRIKE] 4.56%
    071 :j Angel84 £6,621
    072 :j fruityslh £3,786.12 /[STRIKE] £15,106 [/STRIKE] 25.06%
    073 :j mumofcookers £3,700 /[STRIKE] £8,200 [/STRIKE] 45.12%
    074 :j Bad Weather £11,000
    075 :j MaltbyMaeve £7,731.63
    076 :j nannygladys £2,200
    077 :j Helen Pie £3,831.58 /[STRIKE] £16,660.26 [/STRIKE] 23.00%
    078 :j affordmylife £2,700 /[STRIKE] £4,500 [/STRIKE] 60.00%
    079 :j utopiah £760 /[STRIKE] £2,260 [/STRIKE] 33.63%
    080 :j Jan2011 £94.20 /[STRIKE] £22,868.63 [/STRIKE] 0.41%
    081 :j fairyface £50 /[STRIKE] £40,000 [/STRIKE] 0.13%
    082 :j Tjrw1985 £4,900
    083 :j twirly09 £1,000
    084 :j SpagBol £13,471 /[STRIKE] £58,000 [/STRIKE] 23.23%
    085 :j louisa_84 £250 /[STRIKE] £5,500 [/STRIKE] 4.55%
    086 :j mummychicken £_______
    087 :j Beccie £8,705 /[STRIKE] £12,234 [/STRIKE] 71.15%
    088 :j accountingbod £5,518.39
    089 :j rubywhatashmoo £1,550 /[STRIKE] £1,550 [/STRIKE] 100.00%
    090 :j Debtfreein2011 £5,577 /[STRIKE] £22,867 [/STRIKE] 24.39%
    091 :j samjl £16,400
    092 :j Pie £797 /[STRIKE] £7,180 [/STRIKE] 11.10%
    093 :j sharronej £9,144.00 /[STRIKE] £21,120 [/STRIKE] 43.30%
    094 :j TOOMUCHWORRY £20,000
    095 :j sarah_84 £6,725
    096 :j L-M 1498.55 /[STRIKE] £6,164.55 [/STRIKE] 24.31%
    097 :j Munchin £5,435 /[STRIKE] £8,030.00 [/STRIKE] 67.68%
    098 :j novagirl £1,273 /[STRIKE] £2,100 [/STRIKE] 60.62%
    099 :j irishnini €634.68 /[STRIKE] €12,051.15 [/STRIKE] 5.27%
    100 :j ashleighsalem £5,701 /[STRIKE] £5,701 [/STRIKE] 100.00%
    101 :j flowerbomb1979 £_______
    102 :j DomRavioli £10,000
    103 :j parsniphead £3,140 /[STRIKE] £19,000 [/STRIKE] 16.53%
    104 :j rainbowneeks £7,855.40
    105 :j Deeperblue £10,000
    106 :j bailey80 £34,939.16
    107 :j browng £1,100 /[STRIKE] £5,100 [/STRIKE] 21.57%
    108 :j must_change £4,000
    109 :j Maddie57 £1,204.16 /[STRIKE] £28,729.16 [/STRIKE] 4.19%
    110 :j redmel1621 £8,247.66
    111 :j jenna2007 £7,795
    112 :j floridafairy £4,123 /[STRIKE] £8,241 [/STRIKE] 50.03%
    113 :j fedupofbeingindebt £9,000
    114 :j Machine £1,530.61 /[STRIKE] £15,962.80 [/STRIKE] 9.59%
    115 :j stargazerselena £4,002
    116 :j emma2105 £4,368
    117 :j purpleruby £10,813.21
    118 :j miecherox £18,883
    119 :j TwelveStopsThenHome £_______
    120 :j timbstoke £1,550
    121 :j lika_86 £5,390
    122 :j gettingthereslowly £491.85 /[STRIKE] £10,000 [/STRIKE] 4.92%
    123 :j Superheavy £10,762 /[STRIKE] £10,762 [/STRIKE] 100.00%
    124 :j skaps £898.84 /[STRIKE] £6,231.61 [/STRIKE] 14.42%
    125 :j carer adrian £5,000
    126 :j Trevor64 £23,331
    127 :j trying hard £4,082 /[STRIKE] £19,900 [/STRIKE] 20.51%
    128 :j Twigs2205 £18,000
    129 :j Miss C J £717 /[STRIKE] £5,620 [/STRIKE] 12.76%
    130 :j DorsetGirl £1,798.58 /[STRIKE] £7,873.87 [/STRIKE] 22.84%
    131 :j zalnpl £6,000
    132 :j janeypoo £3,000
    133 :j Credit-Crunched £8,476.00 /[STRIKE] £13,946 [/STRIKE] 60.78%
    134 :j Cynical Monkey £3,967.71 /[STRIKE] £13,292.93 [/STRIKE] 29.85%
    135 :j January20 £1,786.19 /[STRIKE] £1,786.19 [/STRIKE] 100.00%
    136 :j thenewscrooge £9,626
    137 :j wit40iwtwan £10,847.73
    138 :j Dolly Rocker £3,701.78 /[STRIKE] £8,531.47 [/STRIKE] 43.39%
    139 :j claresy £11,431
    140 :j On_a_mission23 £10,000


    Continued on next post
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • mf0u1098
    mf0u1098 Posts: 1,595
    Combo Breaker First Post
    Forumite
    edited 4 October 2012 at 10:22PM
    141 :j ftm2009 £3,192.48 /[STRIKE] £12,203.48 [/STRIKE] 26.16%
    142 :j velvet27 £317 /[STRIKE] £2,700 [/STRIKE] 11.74%
    143 :j money free 2011 £1,290 /[STRIKE] £16,600 [/STRIKE] 7.77%
    144 :j teresa £4,500
    145 :j gemred_21 £608 /[STRIKE] £15,313 [/STRIKE] 3.97%
    146 :j dizzybee £145 /[STRIKE] £10,062.55 [/STRIKE] 1.44%
    147 :j Kimsmum £128.09 /[STRIKE] £11,578.09 [/STRIKE] 1.11%
    148 :j twomanyshoesfortwofeet £7,000
    149 :j camuk81 £12,480.86 /[STRIKE] £14,258.67 [/STRIKE] 87.53%
    150 :j Poorish Panda £33,381
    151 :j happymoneysaver1 £707 /[STRIKE] £10,013 [/STRIKE] 7.06%
    152 :j mrso2b £3,668.10 /[STRIKE] £12,000 [/STRIKE] 30.57%
    153 :j gonnabedebtfree £26 /[STRIKE] £34,842 [/STRIKE] 0.07%
    154 :j Mama £17,000
    155 :j Flickering Ember £_______
    156 :j littlefish123 £8,234.18
    157 :j DaisyCat £282 /[STRIKE] £20,300 [/STRIKE] 1.39%
    158 :j Impulse1976 £563.80 /[STRIKE] £13,543.80 [/STRIKE] 4.16%
    159 :j Mymamma £268.96 /[STRIKE] £19,320 [/STRIKE] 1.39%
    160 :j gh4662 £4,295 /[STRIKE] £32,836 [/STRIKE] 13.08%
    161 :j savebabe £16,000
    162 :j ashers6976 £12,000
    163 :j Nod Off £2,915
    164 :j bridgetkate £5,200
    165 :j cj75 £1,103 /[STRIKE] £20-25k [/STRIKE] 4.41%
    166 :j rictus123 £0.00 £13,500
    167 :j misslauren $2,200.00 /[STRIKE] $8,100.00 [/STRIKE] 27.16%
    168 :j hummingbird £1,550 /[STRIKE] £15,000 [/STRIKE] 10.33%
    169 :j RSYCAMORE £4,000
    170 :j twoboysmamma79 £4,275 /[STRIKE] £9,924 [/STRIKE] 43.08%
    171 :j Skintbint £1,500
    172 :j Raspberrysauce £902.41 /[STRIKE] £11,051.73 [/STRIKE] 8.17%
    173 :j tippingpoint £8,800
    174 :j webitha £2,646.40 /[STRIKE] £5,350.65 [/STRIKE] 49.46%
    175 :j Gorgeestwo £125 /[STRIKE] £5,500 [/STRIKE] 2.27%
    176 :j FannyAdams £146.08 /[STRIKE] £3,397 [/STRIKE] 4.30%
    177 :j loveday69 £632.25 /[STRIKE] £4,886.18 [/STRIKE] 12.94%
    178 :j spartan59 £1,175 /[STRIKE] £15,385.92 [/STRIKE] 7.64%
    179 :j Calling14 £564.72 /[STRIKE] £12,224.35 [/STRIKE] 4.62%
    180 :j Natterjack88 £1,443.43 /[STRIKE] £13,837 [/STRIKE] 10.43%
    181 :j Christina F £_______
    182 :j curioustom £4,460
    183 :j Lost and nervous £3,000
    184 :j george £13,500
    185 :j LB29 £_______
    186 :j Fiddlestick £6,403
    187 :j FortunePig £14,500
    188 :j Kellyjelly27 £17,850.12
    189 :j jazzypinkpuppet £457 /[STRIKE] £12,100 [/STRIKE] 3.78%
    190 :j judpudding £3,000
    191 :j FREEZ £2,700 /[STRIKE] £4,000 [/STRIKE] 67.50%
    192 :j muppets £810 /[STRIKE] £1,000 [/STRIKE] 81.05%
    193 :j Killmark £5,194 /[STRIKE] £8,596 [/STRIKE] 60.42%
    194 :j MissShoes £7,124
    195 :j plzhelpmesave! £6,000
    196 :j Robo787 £10.19 /[STRIKE] £20,000 [/STRIKE] 0.05%
    197 :j andrinaperry £2,795
    198 :j Fedupofbeingindebt £9,500
    199 :j miss empty piggy £_______
    200 :j superduperloop £463.00 /[STRIKE] £3,086.35 [/STRIKE] 15.00%
    201 :j jammydodgersandrhl £1,700
    202 :j migraineboy £16,000
    203 :j anguk £33 /[STRIKE] £3,497 [/STRIKE] 0.94%
    204 :j ZarZar1990 £10,000
    205 :j Linzight £3,212.65 /[STRIKE] £3,913.00 [/STRIKE] 82.10%
    206 :j rich8996 £17,881.50
    207 :j phoebesmum2105 £1,322.89 /[STRIKE] £6,772.21 [/STRIKE] 19.53%
    208 :j kat10 £2,931 /[STRIKE] £10,000 [/STRIKE] 29.31%
    209 :j nicola1303 £2,650
    210 :j karenann76 £3,317.67 /[STRIKE] £18,132.56 [/STRIKE] 18.30%
    211 :j SeduLOUs £2,819.28 /[STRIKE] £3,950 [/STRIKE] 71.37%
    212 :j rolopolo1965 £14.63 /[STRIKE] £11,300 [/STRIKE] 0.13%
    213 :j misskwa £8,000
    214 :j minx1985 £12,718.15
    215 :j iwanttogoonholiday £1,347.00 /[STRIKE] £8,299.00 [/STRIKE] 16.23%
    216 :j Purple_Sunshine £19,000
    217 :j Amy83 £1,316 /[STRIKE] £6,000 [/STRIKE] 21.93%
    218 :j flyingmamma £8,000
    219 :j cherylelizabeth1 £450 /[STRIKE] £4,150 [/STRIKE] 10.84%
    220 :j k30lly £1,680.66 /[STRIKE] £14,382.21 [/STRIKE] 11.69%
    221 :j michelle2904 £11,255
    222 :j bottleofred £3,000
    223 :j lancashirelassie £7,050
    224 :j Pixie Fairydust £6,200
    225 :j Aaarghusername £1,124.49 /[STRIKE] £5,312.74 [/STRIKE] 21.17%
    226 :j Annelien £4,243.50 /[STRIKE] £16,904.29 [/STRIKE] 25.10%
    227 :j travellinglight £4,500
    228 :j leikela £287.03 /[STRIKE] £10,110 [/STRIKE] 2.84%
    229 :j gallyw £_______
    230 :j 2012MyYearToClear £490 /[STRIKE] £20,000 [/STRIKE] 2.45%
    231 :j LITTLEMISSDEBT £376.50 /[STRIKE] £18,400 [/STRIKE] 2.05%
    232 :j C.M. £5,833.50
    233 :j CoupsRus £209.53 /[STRIKE] £5,000 [/STRIKE] 4.19%
    234 :j vw campervan mum £7,965 /[STRIKE] £12,468 [/STRIKE] 63.88%
    235 :j naughty-yet-sorta-nice £5,000
    236 :j yasmin2 £981 /[STRIKE] £9,758 [/STRIKE] 10.05%
    237 :j Brokenpromiseland £2,134 /[STRIKE] £11,284.27 [/STRIKE] 18.91%
    238 :j mrsyallop £5,535.97 /[STRIKE] £8,327.54 [/STRIKE] 66.48%
    239 :j DarlingBuds £6,400
    240 :j chickenpluckersmate £10,000
    241 :j thebrink £8,467
    242 :j mumsiemum £1,010 /[STRIKE] £5,175 [/STRIKE] 19.52%
    243 :j P.Whitaker £4,175.06
    244 :j bupster £303.94 /[STRIKE] £16,231.42 [/STRIKE] 1.87%
    245 :j theonlynuttytart £2,070
    246 :j cyclura £6,650
    247 :j RitaRed £6,700
    248 :j Muffin86 £15,000
    249 :j Canucksfan $17,418.95 /[STRIKE] $17,418.95 [/STRIKE] 100.00%
    250 :j Debtfree-2012 £64 /[STRIKE] £12,000 [/STRIKE] 0.53%
    251 :j missmimo £239.75 /[STRIKE] £5,798.84 [/STRIKE] 4.13%
    252 :j rdchick £873.14 /[STRIKE] £8,703.32 [/STRIKE] 10.03%
    253 :j Everhopeful09 £4,731
    254 :j KittieB £1,300
    255 :j JamesKirstyLou £500 /[STRIKE] £11,331.10 [/STRIKE] 4.41%
    256 :j brightpurple £9,207 /[STRIKE] £15,000 [/STRIKE] 61.38%
    257 :j NewlyfrugalMumof3 £7,989.27
    258 :j ani*fan £343.83 /[STRIKE] £13,458.14 [/STRIKE] 2.55%
    259 :j kc26 £4,643.67 /[STRIKE] £12,636.00 [/STRIKE] 36.75%
    260 :j loublouking £15,000
    261 :j Sox77 £9,000
    262 :j richjames £12,733.04
    263 :j melwinnie £6,200
    264 :j supakarin £582.21 /[STRIKE] £7,933.95 [/STRIKE] 7.34%
    265 :j KS2008 £566.53 /[STRIKE] £4,478.17 [/STRIKE] 12.65%
    266 :j jenny.b £309.30 /[STRIKE] £3,511.84 [/STRIKE] 8.81%
    267 :j angelbob £1,418.60 /[STRIKE] £2,354.93 [/STRIKE] 60.24%
    268 :j blacksta £1,233 /[STRIKE] £13,210 [/STRIKE] 9.33%
    269 :j poohspals £6,230.30 /[STRIKE] £17,820.96 [/STRIKE] 34.96%
    270 :j Smoosh £1,613.76
    271 :j welshone27 £4,321 /[STRIKE] £7,288.55 [/STRIKE] 59.28%
    272 :j Glenda £2,100 /[STRIKE] £4,000 [/STRIKE] 52.50%
    273 :j atlonglast £3,530 /[STRIKE] £8,746 [/STRIKE] 40.36%
    274 :j greenjade £249 /[STRIKE] £5,750 [/STRIKE] 4.33%
    275 :j si the smurf £4,480.93
    276 :j PENNY LESS £24,000
    277 :j tirlittan £2,367.00 /[STRIKE] £2,607.00 [/STRIKE] 90.79%
    278 :j Mrs Addicted to Spending £2,333 /[STRIKE] £5,364 [/STRIKE] 43.49%
    279 :j PiggyBankShaker £1,592 /[STRIKE] £5,749 [/STRIKE] 27.69%
    280 :j nodebtin2012 £1,500 /[STRIKE] £10,644 [/STRIKE] 14.09%
    281 :j catmort £4,821.66 /[STRIKE] £7,735.45 [/STRIKE] 62.33%
    282 :j weewifie £25 /[STRIKE] £1,525 [/STRIKE] 1.64%
    283 :j LaurenC £4,735
    284 :j tunisiaone £4,265
    285 :j I want expendable cash £7,700
    286 :j mum of 3 boys £150 /[STRIKE] £10,700 [/STRIKE] 1.40%
    287 :j MJ415 £2,273.75 /[STRIKE] £11,094.22 [/STRIKE] 20.49%
    288 :j Worrier1957 £_______
    289 :j LittleMsStitch £272.68 /[STRIKE] £5,333.99 [/STRIKE] 5.11%


    Continued on next post
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • mf0u1098
    mf0u1098 Posts: 1,595
    Combo Breaker First Post
    Forumite
    edited 4 October 2012 at 10:22PM
    290 :j shakeyblakey £3,680
    291 :j mctaggart £9,650
    292 :j Irbal £21,311.44
    293 :j crazyforshopping £20,000
    294 :j MaccaHallam £28.27 /[STRIKE] £4,323.41 [/STRIKE] 0.65%
    295 :j techsavvy £440 /[STRIKE] £20,030 [/STRIKE] 2.20%
    296 :j monkeymagic222 £6,500
    297 :j sparkleinuk £12,929
    298 :j xoxo £706.45 /[STRIKE] £2,297.52 [/STRIKE] 30.75%
    299 :j icklepeach £2,150
    300 :j michelleafc £_______
    301 :j bellas mum £_______
    302 :j Aroha £5,850
    303 :j alfie2009 £8,555.89
    304 :j choclover £1,339.19 /[STRIKE] £5,210.12 [/STRIKE] 25.70%
    305 :j ros47 £_______
    306 :j Ruthy1604 £12,617.89 /[STRIKE] £16,779.81 [/STRIKE] 75.20%
    307 :j nctmum £6,947.92 /[STRIKE] £18,388.93 [/STRIKE] 37.78%
    308 :j ZzZzZz30 £590 /[STRIKE] £16,458.32 [/STRIKE] 3.58%
    309 :j eddi £555.36 /[STRIKE] £5,554.36 [/STRIKE] 10.00%
    310 :j Lemon Tree £1,100 /[STRIKE] £4,400 [/STRIKE] 25.00%
    311 :j Kim85 £1,750.94 /[STRIKE] £4,456.24 [/STRIKE] 39.29%
    312 :j jellyjacks £8,200
    313 :j shazzyl £300 /[STRIKE] £10,000 [/STRIKE] 3.00%
    314 :j Rosieposiepud £_______
    315 :j skaps £1,270.71 /[STRIKE] £6,231.64 [/STRIKE] 20.39%
    316 :j mumof3plusoh £1,647.90 /[STRIKE] £1,947.90 [/STRIKE] 84.60%
    317 :j ratherfreeze £_______
    318 :j mumtothree3 £10,000
    319 :j Barbeduk £6,109.94 /[STRIKE] £6,109.94 [/STRIKE] 100.00%
    320 :j emileeeee £3,563.87
    321 :j lashley82 £654.12 /[STRIKE] £6,651.52 [/STRIKE] 9.83%
    322 :j welshywoo £2,742.24 /[STRIKE] £10,693.27 [/STRIKE] 25.64%
    323 :j LittleMissSpendALot £9,292.14
    324 :j Jubilee76 £1,611 /[STRIKE] £12,000 [/STRIKE] 13.43%
    325 :j TheAllanCadenhead £250 /[STRIKE] £2,000 [/STRIKE] 12.50%
    326 :j Sazdaz £100 /[STRIKE] £6,631.93 [/STRIKE] 1.51%
    327 :j lobbyludd £_______
    328 :j Oompa Loompa 6786.5 /[STRIKE] £14,713 [/STRIKE] 46.13%
    329 :j nikorusama £4,000
    330 :j gemma_louise £_______
    331 :j DebtFreedom 2084 /[STRIKE] 12000 [/STRIKE] 17.37%
    332 :j Manchuri 1359 /[STRIKE] 13730 [/STRIKE] 9.90%
    333 :j Ghostlove 574 /[STRIKE] 1590 [/STRIKE] 36.10%
    334 :j guardianess 1750 /[STRIKE] 2400 [/STRIKE] 72.92%
    335 :j Debt-Free-Dave 450 /[STRIKE] 5500 [/STRIKE] 8.18%
    336 :j MrsPee 3300 /[STRIKE] 10100 [/STRIKE] 32.67%
    337 :j EyesWideOpen 1864.19 /[STRIKE] 19000 [/STRIKE] 9.81%
    338 :j minicooper272 1753.5 /[STRIKE] 3486 [/STRIKE] 50.30%
    339 :j shortstop 400
    340 :j Avogirly 5013.75 /[STRIKE] 6534.22 [/STRIKE] 76.73%
    341 :j MrsNoMoney 514 /[STRIKE] 5812 [/STRIKE] 8.84%
    342 :j KissyKissyKaren41 2003 /[STRIKE] 2842 [/STRIKE] 70.48%
    343 :j Bonglecat 13613.33 /[STRIKE] 18213.33 [/STRIKE] 74.74%
    344 :j starnac 3771.5 /[STRIKE] 8748.5 [/STRIKE] 43.11%
    345 :j YoungBusinessman 15000
    346 :j Jo84 382 /[STRIKE] 1487 [/STRIKE] 25.69%
    347 :j Queenie2012 6454
    348 :j Karrie2129 1383 /[STRIKE] 8121 [/STRIKE] 17.03%
    349 :j BrandNewStart 4278 /[STRIKE] 8226 [/STRIKE] 52.01%
    350 :j Shrewbie 1750 /[STRIKE] 5826 [/STRIKE] 30.04%
    351 :j miss_emmajane 8050
    352 :j 1stTimer 4988.47 /[STRIKE] 7938.56 [/STRIKE] 62.84%
    353 :j fionamacf1 £_______
    354 :j Theatregal83 1225
    355 :j NicoleWild 34 /[STRIKE] 3125 [/STRIKE] 1.09%
    356 :j pheonixrising21 924 /[STRIKE] 9546 [/STRIKE] 9.68%
    357 :j LunaLady 2556.41
    358 :j tinks14 830.9 /[STRIKE] 2961 [/STRIKE] 28.06%
    359 :j Save Dosh 481.89 /[STRIKE] 878.72 [/STRIKE] 54.84%
    360 :j Colsey 113.12 /[STRIKE] 1513.12 [/STRIKE] 7.48%
    361 :j gazfocus 4515
    362 :j Mrkelly333 £_______
    363 :j Miss Frugal Wannabe 562.61 /[STRIKE] 2516.11 [/STRIKE] 22.36%
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • mf0u1098
    mf0u1098 Posts: 1,595
    Combo Breaker First Post
    Forumite
    edited 24 December 2012 at 5:40PM
    :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod:
    DFBX12 ROLL OF HONOUR
    :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod:



    :starmod::staradmin Rubywhatashmoo :staradmin:starmod:
    Joined on 25th November 2011
    Debt free on 24th February 2012
    Total cleared - £1,550


    :starmod::staradmin January20 :staradmin:starmod:
    Joined on 9th December 2011
    Debt free on 22nd March 2012
    Total cleared - £1,786.19


    :starmod::staradmin Barbeduk :staradmin:starmod:
    Joined on 1st February 2012
    Debt free on 18th May 2012
    Total cleared - £6,109.94


    :starmod::staradmin Katiec950 :staradmin:starmod:
    Joined on 20th November 2011
    Debt free on 12th June 2012
    Total cleared - £10,678.72


    :starmod::staradmin Ashleighsalem :staradmin:starmod:
    Joined on 27th November 2011
    Debt free on 13th July 2012
    Total cleared - £5,701


    :starmod::staradmin Canucksfan :staradmin:starmod:
    Joined on 2nd January 2012
    Debt free on 21st July 2012
    Total cleared - $17,418.95


    :starmod::staradmin May2013 :staradmin:starmod:
    Joined on 20th November 2011
    Debt free on 31st August 2012
    Total cleared - £14,128


    :starmod::staradmin Superheavy :staradmin:starmod:
    Joined on 4th December 2011
    Debt free on 20th September 2012
    Total cleared - £10,762


    :starmod::staradmin tirlittan :staradmin:starmod:
    Joined on 9th January 2012
    Debt free on 15th October 2012
    Total cleared - £2,607


    :starmod::staradmin mumof3plusoh :staradmin:starmod:
    Joined on 27th January 2012
    Debt free on 19th October 2012
    Total cleared - £1,947.90


    :starmod::staradmin InsertWittyName :staradmin:starmod:
    Joined on 20th November 2011
    Debt free on 21st November 2012
    Total cleared - £16,570.76


    :starmod::staradmin jakes-mum :staradmin:starmod:
    Joined on 16th November 2011
    Debt free on 28th November 2012
    Total cleared - £8,806.89


    :starmod::staradmin muppets :staradmin:starmod:
    Joined on 24th December 2011
    Debt free on 29th November 2012
    Total cleared - £1,950.47


    :starmod::staradmin lemonpopsicle :staradmin:starmod:
    Joined on 22nd November 2011
    Debt free on 30th November 2012
    Total cleared - £7,719


    :starmod::staradmin CW2 :staradmin:starmod:
    Joined on 15th November 2011
    Debt free on 22nd December 2012
    Total cleared - £12,459




    :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod: :starmod::staradmin:starmod:
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • mf0u1098
    mf0u1098 Posts: 1,595
    Combo Breaker First Post
    Forumite
    edited 4 October 2012 at 10:10PM
    :j:j:j Grand Totals!!! :j:j:j

    November - £23,882.13 :T
    December - £59,757.43 :beer:
    2011 TOTAL - £83.639.56 (6.5 weeks!)

    January - £97,943.55 :j
    February - £74,507.13 :D
    March - £62,386.13 :T
    April - £55,385.00 :D
    May - £56,555.86 :beer:
    June - £43,814.59 :T
    July - £35,388.57 :D
    August - £32,315.95 :D
    September - £35,495.85 :j




    Total repaid so far = £577,432.19 :T:T:T
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • mf0u1098
    mf0u1098 Posts: 1,595
    Combo Breaker First Post
    Forumite
    edited 3 April 2012 at 8:28PM
    Hints, tips and information to newbies!

    Here is a list of things that should be useful to both newbies and us relative oldies alike:

    1) Understanding the lingo! Here is a link to the DFW Dictionary which will explain what things like NSD's and VSP mean. http://forums.moneysavingexpert.com/showthread.php?t=672601

    2) Subscribing to a thread - This is a shortcut to any thread that you want to keep going back to. e.g. if you've joined a challenge and you want to keep going back to it quickly so you don't have to constantly search the forum each time then you can go to your list of subscribed threads and immediately go to that thread. To do this then just go on the thread you want (such as this one), on any page of the thread go to "Thread Tools" which is in the green band just below the page numbers on the right hand side. Then click "Subscribe to Thread". There are 2 boxes with i) a drop down menu for Notifications by email (which you can change later if you want - this just allows you to set up your subscription so that whenever someone posts onto that thread then you can be sent an email or not) and ii) a box telling you the number of subscriptions in your folder (I just ignore this to be honest). Click "Add Subscription" and it will put this thread in a list of subscribed threads. To see your list of subscribed threads then just click on "Quick Links" which is in the first green band, on the left hand side above the page numbers. Click on "Subscribed Threads" and your list will appear. If you want to unsubscribe then, from your subscribed list, just tick the box on the right hand side of the thread name and at the bottom there is a drop down menu called Selected Threads with Move to folder... as the default. Just click on the down arrow to chose whether you want to unsubscribe or change your email notification status etc.

    3) Create a signature - A signature is a powerful tool (at least I think it is!) where you can put your debts, a witty proverb, your challenge member numbers etc. I find it really useful to update mine so you can see very easily how well you are doing with either debt busting or saving or on a challenge. It also helps people running any challenges if you put your challenge number in your signature. To create a signature then click on "Quick Links" in the green band above the page numbers on the right hand side and click on "Edit Signature". Here you can change colours, fonts, insert smileys etc.

    4) Changing the font size/colour or adding smileys to a post - When posting on a thread, it is really helpful if you can make your text large and in a different colour when updating totals so that it is easy for the people who manage the challenges to spot them to help them when updating their lists. To do this then click on "Post Reply" or "Quick Reply" and then click on "Go Advanced".

    5) List of Challenges/Tips - our lovely kerri_dfw has put together a list of challenges on the forum and her own list of tips to debt busting. Here is the link to the original thread and it is post #10 http://forums.moneysavingexpert.com/showthread.php?t=3613807
    Post numbers can be found on the right hand side of each post.

    6) Weekly mini-challenges - Each Tuesday we have a new weekly mini-challenge that kerri_dfw thinks up! Since we are all in here for the long haul (12 months ish) then it's a great way to keep people motivated with something different each week. Keep an eye out for these! You don't have to join in these though if you don't want to, it's just for a bit of fun for those who want a different little challenge each week to help them keep motivated.

    7) Snowballing - http://www.whatsthecost.com/snowball.aspx. If you have multiple debts i.e. several credit cards/loans then it can be difficult to know in which order to pay them off. This snowball calculator is really useful in helping you decide and also can tell you the shocking amount of interest you are paying each month! One word of caution though, I think this is a brilliant tool however, it can scare people in how long it tells you that all your debt will be gone and sometimes that can lead to people giving up and losing all their enthusiam. Yes it is great to know your DFD but I try to think of myself as in competition with the snowball calculator. It currently says 2013 but it just means that I have to either try and cut back more or earn extra income from Ebaying/car boots etc. The rule of thumb on the forum is that you should pay off your highest interest debt first although some people prefer to get rid of their debts from the lowest amount first as it can give a great psychological boost to get rid of a debt no matter how small.
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • mf0u1098
    mf0u1098 Posts: 1,595
    Combo Breaker First Post
    Forumite
    edited 3 April 2012 at 8:29PM
    To help me run this thread easily, could you please all post your totals in large text and in a bold colour, i.e.:

    £265.43/£7685.67
    (where the first amount is the total you have paid off so far in this challenge and the second amount is the total you pledged to clear by Xmas 2012.

    It would also be a big help if you could also put with it your challenge number.

    i.e. another £50 paid off so now the total for
    #001 is £315.43/£7685.67

    By the way, don't worry about working out your % paid as I can do that for you!
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • mf0u1098
    mf0u1098 Posts: 1,595
    Combo Breaker First Post
    Forumite
    edited 17 January 2022 at 11:59AM
    Weight Loss Challenge


    For those of you who want to shed a few pounds whilst doing this challenge then there are a number of challenges on the forum but I can keep a track of your weight loss here if you want. I will keep your numbers the same as above so as not to confuse things. Again just make sure that you tell me how many lbs you have lost in total against the total you are aiming to lose just the same as the debt paying format in bold/different colour.


    I will update this every Monday evening:



    001 mf0u1098 1.4 / 26lbs
    004 loubie_lou 3 / 18lbs
    012 his missus 23 / 70lbs
    014 debtfreeeju 0 / 16lbs
    036 Shellgsxr 6 / 30lbs
    038 Miss Information 0 / 42lbs
    046 May 2013 0 / 9lbs
    047 sam09 0 / 14lbs
    048 CraftyTwinkle 0 / 28lbs
    049 recurrent-ostrich 14 / 42lbs
    050 SeriousDFW 7 / 54lbs
    051 Nickyanne123 4 / 35lbs
    056 dd1981 0 / 42lbs
    057 Pedro Matias 16 / 24lbs
    060 idristhedragon 3.5 / 28lbs
    064 theposhbint 0 / 20lbs
    068 psychopathbabble 3 / 31.5lbs
    077 HelenPie 13 / 63lbs
    089 rubywhatashmoo 0 / 11lbs
    100 ashleighsalem 1 / 48lbs
    135 January20 2 / 28lbs
    138 Dolly Rocker 3 / 36lbs
    142 velvet27 4 / 28lbs
    157 DaisyCat 5 / 16lbs
    159 mymamma 0 / 42lbs
    180 natterjack88 14 / 100lbs
    191 FREEZ 1 / 42lbs
    199 miss empty piggy 0 / 56lbs
    205 Linzight 5 / 7lbs
    219 cherylelizabeth 0 / 7lbs
    234 vw campervan mum 0 / 20lbs
    235 naughty-yet-sorta-nice 0 / 70lbs
    237 Brokenpromiseland 0 / 24lbs
    239 DarlingBuds 0 / 42lbs
    241 thebrink 0 / 30lbs
    242 mumsiemum 0 / 14lbs
    245 theonlynuttytart 0 / 14lbs
    249 Canucksfan 5 / 70lbs
    252 rdchick 7 / 46lbs
    257 NewlyfrugalMumof3 0 / 32lbs
    259 kc26 3 / 14lbs
    263 melwinnie 0 / 42lbs
    267 angelbob 0 / 24lbs
    274 greenjade 0 / 112lbs
    281 catmort 13 / 15kgs
    282 weewifie 0 / 16lbs
    283 LaurenC 0 / 35lbs
    284 tunisiaone 0 / 105lbs
    296 monkeymagic222 0 / 3kgs
    297 sparkleinuk 0 / 4kgs
    299 icklepeach 0 / 28lbs
    302 Aroha 0 / 33kgs
    303 alfie2009 0 / 22lbs
    308 ZzZzZz30 1 / 14lbs
    310 Lemon Tree 0 / 50lbs
    342 KissyKissyKaren41 0 / 56lbs
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • mf0u1098
    mf0u1098 Posts: 1,595
    Combo Breaker First Post
    Forumite
    edited 5 April 2012 at 9:46PM
    Savings Challenge

    One of our members has already completed the DFBX12 challenge and wants to now save up for the remainder of the year! Below is a list of the challengers that now want to save and their amounts.

    001 :j rubywhatashmoo £650 /£2,500 26.00%
    002 :j fallenwiccan £1050 / £6,600 15.91%
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
  • mf0u1098
    mf0u1098 Posts: 1,595
    Combo Breaker First Post
    Forumite
    edited 5 April 2012 at 9:14PM
    Every week our lovely kerri_dfw sets a new weekly mini challenge. They are not mandatory in any way, they are intended to be fun and give and extra boost in morale by trying something new each week. Below is a list of all the challenges (thanks Kerfuffle for compiling them!) so far on both threads (link for the old thread is on post #1):

    This is a list of kerri_dfw's really helpful mini-challenges, with links.

    First thread (HERE)
    1. The "Not Buy Chocolate Or Crisps" mini-challenge (page18 #357) HERE
    2. The "Something A Little Different/Small Personal Spend" mini-challenge (page50 #983) HERE
    3. The "Put One Thing Back" mini-challenge (page68 #1353) HERE
    4. The "TakeYour Lunch To Work" mini-challenge (page87 #1724) HERE
    5. The "Take 15 Mins For Yourself" mini-challenge (page113 #2254) HERE
    Second thread HERE
    1. The "Eating Out Of Cupboards And Freezer" mini-challenge (page6 #112) HERE
    2. The "The Pen Is Mightier Than The Sword" mini-challenge (page37 #738) HERE
    3. The "Pay By Cash" mini-challenge (page58 #1148) HERE
    4. The "Meal Plan" mini-challenge (page80 #1584) HERE
    5. The "Declutter Yourself" mini-challenge (page103 #2042) HERE
    6. The "No Little Shops" mini-challenge (page135 #2699) HERE
    7. The "Grow Something" mini-challenge (page150 #2986) HERE
    8. The "Bake Something" mini-challenge (page172 #3422) HERE
    9. The "Waste Not Want Not" mini-challenge (page190 #3792) HERE
    10. The "Say No To Junk" mini-challenge (page206 #4108) HERE
    11. The "Get Out More" mini-challenge (page220 #4400) HERE
    12. The "Round It Up" mini-challenge (page 230 #4586) HERE
    13. The "Weekly Pay Saves The Day" mini-challenge (page239 #4779) HERE
    14. The "If It's Not Fab It's Flop" mini-challenge (page 251 #5018) HERE
    15. The "No Online Shopping" mini-challenge (page 251 # 5020) HERE
    We didn't have a challenge between 26th Dec - 1st Jan as Kerri was in Wales.
    New Debt Journey: Pay off £19,622.91 by 30th April 2015 :T

    Debt at Highest: £43,073 :eek:
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