The "Pay ALL your debt off by Xmas 2012"...

[mf0u1098]

So far we are up to £668,069.07 with just an hour to go!!!!!!

[parsniphead]

Originally Posted by mf0u1098

So far we are up to £668,069.07 with just an hour to go!!!!!!

Wow wee that's amazing

[mf0u1098]

Well folks, that's it, end of the challenge. What an incredible year.

We have collectively paid off a staggering

£668,069.07

It's hard to put into words what this feels like, to know that a group of strangers have come together with a common goal to beat the debt and have paid off such a sum of money. On the way we have made some truly special friends. Some have achieved the ultimate goal of becoming debt free whilst others have paid massive chunks of debt off and still have a little way to go. For some the road is longer but I believe we have all changed for the better through this challenge. We have all won. We have control of our lives back and don't live with the constant weight and fear of debt anymore. Just the act of taking control has been incredibly liberating. The knowledge we have all shared with each other has opened doors we never knew existed and people who once thought they were completely hopeless with money and will power are now passing on their knowledge and experience to others.

Thank you all for being a part of this journey, the inspiration and laughs we have had along the way have been incredible. We have shared tears and hard times and congratulated the births and personal achievements. I feel honoured, proud and humbled to have been on this journey with each and every one of you. I sincerely wish you all the very best and hope that you continue to pass the message on to others that you can do anything you put your mind to. Let's inspire a new generation of people to achieve what we have done.

Have a wonderful debt free/reduced Christmas and I'll hopefully see you around on the next thread.

Good bye *sniffle sniffle*

Jemma xxx

[Kerfuffle]

Hi everybody,

well my final figures are as my signature states and nothing has changed.

# 65 5671.68 / 11971.68 = 47.38%

I'd hope to round the total paid up to 50% but it was just too much to achieve, so I'll be starting the next thread with the same totals as I have now.

Jemma, thanks for starting this thread, and to every body that has joined in it truly has been a wonderful journey sharing this past year with you all. I think most of us have had major events this year and it's been great reading and sharing these events with each of you.

My debtfreeness didn't go to plan, but then for the majority of the year I was unemployed and finding a new job took a lot longer than I anticipated. However I'm quite happy with what I've achieved, the debt is still heading in the right direction at least.

So I will now skip on over to the new thread and hope to see you all there.

Merry Christmas and a Happy New Year to you all, and all the best for 2013


:s anta2:

[SpagBol]

Originally Posted by mf0u1098

Well folks, that's it, end of the challenge. What an incredible year.

We have collectively paid off a staggering

£668,069.07

It's hard to put into words what this feels like, to know that a group of strangers have come together with a common goal to beat the debt and have paid off such a sum of money. On the way we have made some truly special friends. Some have achieved the ultimate goal of becoming debt free whilst others have paid massive chunks of debt off and still have a little way to go. For some the road is longer but I believe we have all changed for the better through this challenge. We have all won. We have control of our lives back and don't live with the constant weight and fear of debt anymore. Just the act of taking control has been incredibly liberating. The knowledge we have all shared with each other has opened doors we never knew existed and people who once thought they were completely hopeless with money and will power are now passing on their knowledge and experience to others.

Thank you all for being a part of this journey, the inspiration and laughs we have had along the way have been incredible. We have shared tears and hard times and congratulated the births and personal achievements. I feel honoured, proud and humbled to have been on this journey with each and every one of you. I sincerely wish you all the very best and hope that you continue to pass the message on to others that you can do anything you put your mind to. Let's inspire a new generation of people to achieve what we have done.

Have a wonderful debt free/reduced Christmas and I'll hopefully see you around on the next thread.

Good bye *sniffle sniffle*

Jemma xxx

That is truly amazing, well done everyone

Special congrats to CW2 for being debt free

HAPPY CHRISTMAS EVERYONE!! You are all so wonderful, this Christmas feels so much more positive than last and that is only going to get better That's down to a LBM and necessity on my part I suppose but 90% of it is down to this thread so thank you Jemma and all of you on here for being there for me to talk to every day. It means more than you will ever know

By the way I am finishing the year on [COLOR="rgb(46, 139, 87)"]£17,715 / £58,000 30.54%[/COLOR]

Now let's get plastered! And see you on the new thread!

[affordmylife]

where is the new thread ???? cant wait xx

[nctmum]

Originally Posted by mf0u1098

Well folks, that's it, end of the challenge. What an incredible year.

We have collectively paid off a staggering

£668,069.07

Thank you for keeping us together Jemma - best of luck with everything

[minicooper272]

Originally Posted by affordmylife

where is the new thread ???? cant wait xx

There's a link on page 244 about 2/3 down the page (sorry I can't figure how to copy/paste on a tablet)

Thanks again jemma for all the fantastic hard work over the last year! What an amazing job you've done! £668k is no longer hanging over us thanks to everyone's hard work, and your motivation!

[mf0u1098]

You're very welcome, best of luck for 2013 Xxx

[NewlyFrugalMumof3]

Thank you so much Jemma for being so organised and motivating us all on our DFW journey. What a sterling job you have done!

Alas, even though my debt hasnt decreased much (due to needing newer car as old one clapped out big time), it is going in the right direction and 2013 WILL be the year that it is cleared.

Happy New Year.

[SpagBol]

Originally Posted by affordmylife

where is the new thread ???? cant wait xx

New thread is http://forums.moneysavingexpert.com/....php?t=4358035

[seriousDFW]

Originally Posted by mf0u1098

Well folks, that's it, end of the challenge. What an incredible year.

We have collectively paid off a staggering

£668,069.07

It's hard to put into words what this feels like, to know that a group of strangers have come together with a common goal to beat the debt and have paid off such a sum of money. On the way we have made some truly special friends. Some have achieved the ultimate goal of becoming debt free whilst others have paid massive chunks of debt off and still have a little way to go. For some the road is longer but I believe we have all changed for the better through this challenge. We have all won. We have control of our lives back and don't live with the constant weight and fear of debt anymore. Just the act of taking control has been incredibly liberating. The knowledge we have all shared with each other has opened doors we never knew existed and people who once thought they were completely hopeless with money and will power are now passing on their knowledge and experience to others.

Thank you all for being a part of this journey, the inspiration and laughs we have had along the way have been incredible. We have shared tears and hard times and congratulated the births and personal achievements. I feel honoured, proud and humbled to have been on this journey with each and every one of you. I sincerely wish you all the very best and hope that you continue to pass the message on to others that you can do anything you put your mind to. Let's inspire a new generation of people to achieve what we have done.

Have a wonderful debt free/reduced Christmas and I'll hopefully see you around on the next thread.

Good bye *sniffle sniffle*

Jemma xxx

Jemma, what a fantastic summary and I agree with all of the sentiments. I remember you posting before this challenge and you seemed to be very low because of some circumstances, and the sense of increasing positivity you have posted with has genuinely spurred me on. I really hope you are sticking around for 2013. When I read your signature and saw how little debt you now have compared to what you started with, it just overwhelms me how far you've come. The amount you've got now seems like nothing, and I can't wait for many more of us to become DF, or closer to being DF, in 2013.

I had a lovely Christmas Day and Boxing Day and while I'm not DF, I feel much more positive about it.

To anyone reading this at the start of a DF journey, please stick with it - it feels horrible to start with but there is always a solution and it just takes time to reach your goal. In some respect it doesn't matter how long it actually takes, because just taking control of the situation removes much of the burden of debt.

Well done to all 2012ers and good luck to all 2013ers!

[HelenPie]

Originally Posted by mf0u1098

Well folks, that's it, end of the challenge. What an incredible year.

We have collectively paid off a staggering

£668,069.07

It's hard to put into words what this feels like, to know that a group of strangers have come together with a common goal to beat the debt and have paid off such a sum of money. On the way we have made some truly special friends. Some have achieved the ultimate goal of becoming debt free whilst others have paid massive chunks of debt off and still have a little way to go. For some the road is longer but I believe we have all changed for the better through this challenge. We have all won. We have control of our lives back and don't live with the constant weight and fear of debt anymore. Just the act of taking control has been incredibly liberating. The knowledge we have all shared with each other has opened doors we never knew existed and people who once thought they were completely hopeless with money and will power are now passing on their knowledge and experience to others.

Thank you all for being a part of this journey, the inspiration and laughs we have had along the way have been incredible. We have shared tears and hard times and congratulated the births and personal achievements. I feel honoured, proud and humbled to have been on this journey with each and every one of you. I sincerely wish you all the very best and hope that you continue to pass the message on to others that you can do anything you put your mind to. Let's inspire a new generation of people to achieve what we have done.

Have a wonderful debt free/reduced Christmas and I'll hopefully see you around on the next thread.

Good bye *sniffle sniffle*

Jemma xxx

Thank you Jemma. You've been amazing

[affordmylife]

thank you jemma for all your hard work. now off to new thread xxx

[Shrewbie]

Thank you Jemma, this thread has been amazing. Hope you had a fantastic Christmas. see you over on the new thread xx

[vw campervan mum]

Final post before I move onto shiny new 2013 challenge

Congratulations to CW2 the final debt freer of 2012!

An enormous and heartfelt thanks to Jemma for starting the thread and making such a wonderful community. Your final post was wonderfully written and inspiring. Good Luck with your plans for the future

Goodbye BFX2012 and hello to DFX2013 - bring it on

[mumof3plusoh]

Thanks for everything Jemma, see you on the new thread.

[kerri_dfw]

Originally Posted by mf0u1098

Well folks, that's it, end of the challenge. What an incredible year.

We have collectively paid off a staggering

£668,069.07

It's hard to put into words what this feels like, to know that a group of strangers have come together with a common goal to beat the debt and have paid off such a sum of money. On the way we have made some truly special friends. Some have achieved the ultimate goal of becoming debt free whilst others have paid massive chunks of debt off and still have a little way to go. For some the road is longer but I believe we have all changed for the better through this challenge. We have all won. We have control of our lives back and don't live with the constant weight and fear of debt anymore. Just the act of taking control has been incredibly liberating. The knowledge we have all shared with each other has opened doors we never knew existed and people who once thought they were completely hopeless with money and will power are now passing on their knowledge and experience to others.

Thank you all for being a part of this journey, the inspiration and laughs we have had along the way have been incredible. We have shared tears and hard times and congratulated the births and personal achievements. I feel honoured, proud and humbled to have been on this journey with each and every one of you. I sincerely wish you all the very best and hope that you continue to pass the message on to others that you can do anything you put your mind to. Let's inspire a new generation of people to achieve what we have done.

Have a wonderful debt free/reduced Christmas and I'll hopefully see you around on the next thread.

Good bye *sniffle sniffle*

Jemma xxx

Amazing! Thanks Jemma you've done amazingly as both our leader, our motivator, and our friend xxx You should be really proud of yourself, you've helped so many people xxx

[mf0u1098]

Thank you all again for your lovely words, it's been an incredible and emotional journey. I'm now asking for the thread to be locked.

See you on the other thread xxx