Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • muppets
    • By muppets 4th Dec 17, 4:17 AM
    • 746Posts
    • 5,308Thanks
    muppets
    Pay ALL your debt off by Xmas 2018
    • #1
    • 4th Dec 17, 4:17 AM
    Pay ALL your debt off by Xmas 2018 4th Dec 17 at 4:17 AM
    Welcome to PART 1 OF Pay ALL Your Debt Off By Xmas 2018!

    Firstly I would like to welcome all new and existing members from last years thread.

    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 several 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!
    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!

    This challenge runs until 27th December 2018.



    To help me run this thread easily, could you please all post your totals in large text and in a bold colour and post the amount you have paid off // target amount

    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 paid off 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!
    PAYDBX 2017 - #01 Pd £10,446.83 / £11,000 - 94.97%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF #69
    €4,300 / 15,000 Wombles #24 = 540.20
    Mortgage - PD 86,136.83/ 271,495.07 31.72% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
Page 32
    • Nicnak
    • By Nicnak 11th Feb 18, 9:24 AM
    • 827 Posts
    • 4,626 Thanks
    Nicnak
    #170
    £1066 so far! X
    September 6th 2017 - Updated 21st January 2018
    Credit Card £0 now: £1649 Tesco Loan £7500 = £11.20 Consolidation £15,000 = £14,547 Total = £25,330 £16,207 36% gone EMF #252 = £500/£1000
    Sealed pot challenge #589
    Pay off all your debts by Christmas #170
    • Blackberrycurved
    • By Blackberrycurved 11th Feb 18, 11:20 AM
    • 83 Posts
    • 607 Thanks
    Blackberrycurved
    You are doing well ‘dreaming of money’
    Blackberry Curved debt free 2018 Number 17 £642.59/£11,000
    Save for Christmas Number 19 £68 /£365
    1% challenge Number 7 £41/£110
    • kirtsypoos
    • By kirtsypoos 11th Feb 18, 4:20 PM
    • 3,292 Posts
    • 14,613 Thanks
    kirtsypoos
    Afternoon all,

    Made a FB sale so made an OP to the car loan, meaning

    #006 checking in with £1650.76/£4000 please muppets
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £1945.24/£4000
    • sunshine81
    • By sunshine81 11th Feb 18, 9:38 PM
    • 873 Posts
    • 4,824 Thanks
    sunshine81
    #145 £5770.00 / £19261 (29.96%)
    • sunshine81
    • By sunshine81 12th Feb 18, 7:31 AM
    • 873 Posts
    • 4,824 Thanks
    sunshine81
    Finding it harder this month but still going.... #145 £5863.00 / £19261 (30.44%)
    • abba1772
    • By abba1772 12th Feb 18, 8:35 AM
    • 4,346 Posts
    • 14,306 Thanks
    abba1772
    Morning

    Sent £10 towards the Halifax brings my total to £1556.71 / £6000
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
    • kirtsypoos
    • By kirtsypoos 12th Feb 18, 10:24 AM
    • 3,292 Posts
    • 14,613 Thanks
    kirtsypoos
    Morning all!

    Following a payment to spendy CC,

    #006 checking in with £1714.70/£4000 please muppets
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £1945.24/£4000
    • Toffeead11
    • By Toffeead11 12th Feb 18, 11:22 AM
    • 1 Posts
    • 5 Thanks
    Toffeead11
    Hello,

    I am new to the forum but have taken inspiration in reading this thread already from having read through.

    Can i please Join and put in for a total of £8600.

    Hoping to make Christmas this year a memorable one.
    • mumto2girlsandaboy
    • By mumto2girlsandaboy 12th Feb 18, 11:38 AM
    • 44 Posts
    • 314 Thanks
    mumto2girlsandaboy
    #073 £409 /£2279
    PAYDBX 2018 #073 409/£2279
    PAYDBX 2017 #073 2571/£2500
    EF #220 670/£1000
    MFW dec 12 £97000 jan 18 £86973
    • Calling14
    • By Calling14 12th Feb 18, 2:15 PM
    • 2,620 Posts
    • 19,207 Thanks
    Calling14
    £6 for me today.

    #16 1292/5552

    Thanks muppets
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4108
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 1444/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £1279/£2000

    • LLM2018
    • By LLM2018 12th Feb 18, 9:39 PM
    • 63 Posts
    • 230 Thanks
    LLM2018
    #78

    Small payment to cc thanks to an ebay sale. Now at £200.76/2494 = 8% approx
    #21 Make 1% challenge 11/100%
    #78 PAYDBX '18 £275/2494
    #6 Crazy clothes challenge £10 per month only
    #10 NSD Jan 14/12, Feb 7/14
    #19 Surveys pay for Xmas' 18 Jan: £5, Feb £0
    # No buying unnecessary toiletries Jan 17/62, Feb 11/46
    • Lozza001
    • By Lozza001 12th Feb 18, 11:00 PM
    • 87 Posts
    • 238 Thanks
    Lozza001
    Joining in.
    Hi,

    Can I join this challenge please? I currently owe £4740

    Its all with debt agencies so it's at zero interest. As a recently single mum I know that I need to get rid of this to help me and my boys moving forward.

    The idea of paying it all off is very aspirational, however I'd like to give it a good try.

    Thanks
    Lozza
    Official DFW Nerd Club - Member no. 974 - Proud to be dealing with my debts

    CC1 £1800 as at Feb 18
    CC2 £1200 as at Feb 18
    CC3 £950 as at Feb 18
    CC4 £790 as at Feb 18
    • abba1772
    • By abba1772 13th Feb 18, 8:01 AM
    • 4,346 Posts
    • 14,306 Thanks
    abba1772
    Morning

    Another £10 sent towards the Halifax card

    Brings my total to £1566.71 / £6000
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
    • Calling14
    • By Calling14 13th Feb 18, 10:55 AM
    • 2,620 Posts
    • 19,207 Thanks
    Calling14
    Hiya folks

    £10 off for me today.

    #16 1302/5552
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4108
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 1444/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £1279/£2000

    • sunshine81
    • By sunshine81 13th Feb 18, 12:56 PM
    • 873 Posts
    • 4,824 Thanks
    sunshine81
    #145 £5868.00 / £19261 (30.47%)
    • greent
    • By greent 13th Feb 18, 2:04 PM
    • 6,683 Posts
    • 68,772 Thanks
    greent
    Muppets - can I please amend my target for the year - new target is £18654.16

    Below = Jan's figs, already reported - just keeping them here for me
    Start - Target - This month - YTD
    VW Finance (OH) : £9580 - repay £9580 - £302 302/9580 (3.1%)
    HMRC (me) : £565.40 - repay £565.40 - £565.40 565.40/565.40 - 100%
    PO CC (0%) (OH) - 3339 - repay all - 84.00 - 84/3339 (2.5%)
    Hfx CC (0%) (me) - 5159.76 - repay all - 40.25 - 40.25/5159.76 0.8%

    (+ possible after Apr when final figs known - Tax Cr)

    Amount repaid in Jan = 991.65 (5.3%)

    Any extra monies are being diverted to kitchen fund atm - once all of these are known and paid for such monies will be paid to CCs (we are also saving £250/mth towards final payment for OH's car, due Sep/ Oct (can't remember exactly)

    Thank you, muppets
    Last edited by greent; Today at 10:50 AM.
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786. 2018 OPs (#18) £36.39/£4000
    Net sales 2018 £20.45/£1000 PAYDOX18 (#15) £1429.16/£18694.38 Decluttered 273/2018 items
    • Nicnak
    • By Nicnak 13th Feb 18, 6:34 PM
    • 827 Posts
    • 4,626 Thanks
    Nicnak
    Just sent more off so now £1206 paid off x
    #170
    September 6th 2017 - Updated 21st January 2018
    Credit Card £0 now: £1649 Tesco Loan £7500 = £11.20 Consolidation £15,000 = £14,547 Total = £25,330 £16,207 36% gone EMF #252 = £500/£1000
    Sealed pot challenge #589
    Pay off all your debts by Christmas #170
    • abba1772
    • By abba1772 14th Feb 18, 9:28 AM
    • 4,346 Posts
    • 14,306 Thanks
    abba1772
    Morning

    Sent £3.05 towards the Halifax brings my total to £1569.76 / £6000
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £2193.69
    • kirtsypoos
    • By kirtsypoos 14th Feb 18, 10:45 AM
    • 3,292 Posts
    • 14,613 Thanks
    kirtsypoos
    Morning all,

    spendy CC payment brings me to:

    #006 checking in with £1744.70/£4000 please muppets
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £1945.24/£4000
    • kirtsypoos
    • By kirtsypoos 14th Feb 18, 11:06 AM
    • 3,292 Posts
    • 14,613 Thanks
    kirtsypoos
    Memory like a sieve - I forgot to add on the mortgage OP for today

    #006 checking in with £1847.24/£4000 please muppets
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £1945.24/£4000
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

5,116Posts Today

7,940Users online

Martin's Twitter