Pay ALL your debt off by Xmas 2015!
Pablosammy
Posts: 566 Forumite
Welcome to the fourth Pay ALL Your Debt Off By Xmas thread!
Ever since mf0u1098 started the original thread three years ago, we’ve collectively paid off well over £1.5 MILLION of debt! What a fantastic achievement, and huge thanks must go to mf0u1098, spagbol, and minicooper272 who have done a sterling job of looking after the thread in previous years. It’s a tough task keeping on top of a thread like this, and you’ve all been amazing!
So, here we go for another year. Welcome back to those who are familiar, and an even bigger welcome to any new members who decide to come along for the ride. If you don’t feel you can pay off ALL of your debt this year, please still join us and set your own personal target for Christmas. Our strength and motivation comes from the support of our fellow debt-busters, so whether you’re here for the fourth year in a row or are a brand new member, you’re making the thread more successful by just being here.
Please post your total target for 2015 in BIG BOLD COLOURFUL LETTERS, and you’ll then be assigned a membership number.
After that, please post any updates using your number and total amount paid to date, and we’ll do the rest! Something like…
#123 £1234/£5678 (add happy/jumpy smily of choice here)
And last but not least… GOOD LUCK EVERYBODY!
Ever since mf0u1098 started the original thread three years ago, we’ve collectively paid off well over £1.5 MILLION of debt! What a fantastic achievement, and huge thanks must go to mf0u1098, spagbol, and minicooper272 who have done a sterling job of looking after the thread in previous years. It’s a tough task keeping on top of a thread like this, and you’ve all been amazing!
So, here we go for another year. Welcome back to those who are familiar, and an even bigger welcome to any new members who decide to come along for the ride. If you don’t feel you can pay off ALL of your debt this year, please still join us and set your own personal target for Christmas. Our strength and motivation comes from the support of our fellow debt-busters, so whether you’re here for the fourth year in a row or are a brand new member, you’re making the thread more successful by just being here.
Please post your total target for 2015 in BIG BOLD COLOURFUL LETTERS, and you’ll then be assigned a membership number.
After that, please post any updates using your number and total amount paid to date, and we’ll do the rest! Something like…
#123 £1234/£5678 (add happy/jumpy smily of choice here)
And last but not least… GOOD LUCK EVERYBODY!
0
Comments
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Here are Jemma's tips from the original 2012 thread:
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) 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. 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.0 -
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ROLL OF HONOUR
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ROLL OF HONOUR continued...
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Monthly Totals
January: £117,819.50 :T
February: £72,724.50 :T
March: £68,446.48 :T
April: £59,874.96 :T
May: £52,887.05 :T
June: £23,376.11 :T
July: £40,493.50 :T
August: £29,641.58 :T
September: £34,962.25 :T
October: £26,624.82 :T
November: £15,024.77 :T
December:
Grand total:0 -
Ok... GO! GO! GO!0
-
Me pls! I need to clear at least £6000! Many thanks x0
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0
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