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  • FIRST POST
    • muppets
    • By muppets 24th Sep 16, 8:32 AM
    • 599Posts
    • 4,496Thanks
    muppets
    Pay ALL your debt off by Xmas 2016 - Part 2
    • #1
    • 24th Sep 16, 8:32 AM
    Pay ALL your debt off by Xmas 2016 - Part 2 24th Sep 16 at 8:32 AM
    Welcome to PART 2 OF Pay ALL Your Debt Off By Xmas 2016!

    Firstly I would like to apologise, to everyone from part 1, who thought they were going mad when they couldn't find the thread. It seems that the thread has been deleted. I have no idea why, I did contact the admins but heard nothing back from them. Not only did they take away our thread, they took away my post count.

    Now to get back to our debt busting.
    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 26th December 2016.



    To help me run this thread easily, could you please all post your totals in large text and in a bold colour.

    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!
    Last edited by muppets; 24-09-2016 at 10:47 AM.
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
Page 4
    • Pablosammy
    • By Pablosammy 3rd Oct 16, 10:40 AM
    • 527 Posts
    • 3,483 Thanks
    Pablosammy
    Quick update... another expensive month with the house, but it's coming together now. Had to turf the rear garden as it was a complete embarrassment. We also had to buy some new pots and pans, as the non-stick coating was badly flaking off our trusty old ones and I didn't fancy eating that stuff!

    Good news however... my student loan, which once stood at a whopping £22,500, is now £352 and will be cleared in full in just over 2 weeks. What a weight off my back that will be!

    Despite this month's expenses, my debt has gone down ever so slightly...

    #3 £5,493/£11,856 46%
    • abba1772
    • By abba1772 3rd Oct 16, 5:14 PM
    • 3,408 Posts
    • 8,408 Thanks
    abba1772
    Rounded down the account sent £15.31 towards the barclaycard brings my total to £5079.55 / £6000
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £1285.79
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £2015.40 / £6000
    • blubella
    • By blubella 3rd Oct 16, 9:22 PM
    • 424 Posts
    • 2,398 Thanks
    blubella
    £50.00 to Lls DEBT card #101 £13823.78/£8750


    Light Bulb Moment Aug 2015 ~ £24758.52
    Dec 2015 ~ DEBT Cards £18046.78 Dec 2016 £7900 + Bank of Mum & Dad 4687.60 - PAID Jan 2016 ~ DEBT cards £7192.72 £5993

    OCT GC ~ £189.45/150 NOV GC ~ £49.52/175
    Make £10 a Day 2016: JAN £299.11/310 FEB £404.19/290 MAR £315.20/310
    DFBX2017 ~ #101 £
    1338.91/£7192.72
    DFBX2016 ~ #101 £17128.47/£8750 DFBX2015 ~ #101 £3811.87/£3000

    Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar
    • Ellieseleven
    • By Ellieseleven 4th Oct 16, 7:53 AM
    • 2,065 Posts
    • 6,678 Thanks
    Ellieseleven
    Hello everyone, just checking in with my new total:

    #18 £6,630/£9,376 70.71%

    Thank you Muppets

    Ellie x
    Debt Free 1st March 2017
    Saving for Xmas 2017 #1 £252/ £732
    DFBXMAS 2017 #18 £1978/1,978 100%
    EF #142 - 390/1000
    • dipdap
    • By dipdap 4th Oct 16, 7:55 PM
    • 5,934 Posts
    • 88,031 Thanks
    dipdap
    Just popping by to say I won't be completing the debt free challenge this year
    Hubbys car had an accident last week (he's fine, the car isn't) so we've had to bring our plans of buying a new car forward and so we won't be paying any debt off now until next year (we've done a big finance reshuffle)
    So i bid farewell to this challenge and wish everyone still paying lots of luck
    I shall return to attempt debt free in 2017
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2017 # 102 = £2,094£13,000 16% paid
    Saving for Xmas 2017 = PP £28 TCC £51 Amazon £57
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • kirtsypoos
    • By kirtsypoos 4th Oct 16, 8:21 PM
    • 2,534 Posts
    • 10,372 Thanks
    kirtsypoos
    Dipdap, I won't be debt free this year but I've set an amount to aim for which will allow me to become debt free during next years challenge...hopefully!

    Stick around with us
    £1475/3000 OH BC(50.83% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1475/31010.23 (95.24% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13084.71/£10000 Make£10 £194.58
    • dipdap
    • By dipdap 4th Oct 16, 8:56 PM
    • 5,934 Posts
    • 88,031 Thanks
    dipdap
    Oh I'll keep watching you all you don't get rid of me that easy
    We just have no spare money to pay down anymore debt for the foreseeable, so my total probably won't drop as its a 0% credit card debt.
    Of course i could always win the lottery.....
    Historic Debt August 2009 = £63,600 10th March 2017 = £0 100% paid all gone!
    PAYDBX2017 # 102 = £2,094£13,000 16% paid
    Saving for Xmas 2017 = PP £28 TCC £51 Amazon £57
    If you focus on what you have left behind, you won't see what lies ahead - Gusteau
    • abba1772
    • By abba1772 4th Oct 16, 9:33 PM
    • 3,408 Posts
    • 8,408 Thanks
    abba1772
    Sent £2.58 to the barclaycard brings my total to £5082.03 / £6000
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £1285.79
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £2015.40 / £6000
    • Megano
    • By Megano 5th Oct 16, 11:09 PM
    • 210 Posts
    • 892 Thanks
    Megano
    Payment of £50 to HMRC
    TSB CC £50/477 (10.48%)
    Barclaycard £170.17/3455 (4.92%)
    OH £150/1720 (8.72%)
    Total: £370.17/5652 6.54%
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 6th Oct 16, 6:09 AM
    • 465 Posts
    • 2,513 Thanks
    swimminginaseaofdebt
    #150 reporting in with an updated total of £978.66/£1,264.05.
    NSD Apr - 4/12
    ,
    Pay all debt off by Christmas 2017 #150 - £1111.84/£3729.05
    ,
    6 month challenge #65 - £35.41/£9000
    ,
    SPC10 #564
    • abba1772
    • By abba1772 6th Oct 16, 8:48 AM
    • 3,408 Posts
    • 8,408 Thanks
    abba1772
    Rounded down the account sent £12.78 towards the barclaycard brings my total to £5094.81 / £6000
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £1285.79
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £2015.40 / £6000
    • abba1772
    • By abba1772 7th Oct 16, 8:26 AM
    • 3,408 Posts
    • 8,408 Thanks
    abba1772
    Pay day from one of my parents so sent £66.06 towards the barclaycard

    Brings my total to £5150.87 / £6000

    Happy Friday peeps
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £1285.79
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £2015.40 / £6000
    • Penniesinmyjar
    • By Penniesinmyjar 7th Oct 16, 10:08 AM
    • 64 Posts
    • 354 Thanks
    Penniesinmyjar
    Argh so annoyed, I forgot about the balance transfer fee (went to 0% this month) and so my balance has bounced back up again to £7162.63 - despite me making another few payments this week totalling ~£48.

    So I was £7131.80/£7,500.00 and now i'm £7162.63/£7,500.00
    £1000/£1000 Emergency Fund
    Credit Card 1: £5,671 / £9,500 Credit Card 2: 0/£9,000
    Credit Card 3: £0 / £2,500 OD: £0/ £3,000
    £18,360 gone!
    • kirtsypoos
    • By kirtsypoos 7th Oct 16, 10:20 AM
    • 2,534 Posts
    • 10,372 Thanks
    kirtsypoos
    Morning all,

    #006 checking in with £12466.66/£10000 please muppets
    £1475/3000 OH BC(50.83% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1475/31010.23 (95.24% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13084.71/£10000 Make£10 £194.58
    • muppets
    • By muppets 7th Oct 16, 7:23 PM
    • 599 Posts
    • 4,496 Thanks
    muppets
    Just popping by to say I won't be completing the debt free challenge this year
    Hubbys car had an accident last week (he's fine, the car isn't) so we've had to bring our plans of buying a new car forward and so we won't be paying any debt off now until next year (we've done a big finance reshuffle)
    So i bid farewell to this challenge and wish everyone still paying lots of luck
    I shall return to attempt debt free in 2017
    Originally posted by dipdap
    Dipdap sorry to hear about the car accident. xx

    Argh so annoyed, I forgot about the balance transfer fee (went to 0% this month) and so my balance has bounced back up again to £7162.63 - despite me making another few payments this week totalling ~£48.

    So I was £7131.80/£7,500.00 and now i'm £7162.63/£7,500.00
    Originally posted by Penniesinmyjar
    Penniesinmyjar, it's so annoying about the fee, but just think, every payment from now will all go to the debt and not to interest. xx
    PAYDBX 2017 - #01 Pd £2,829.98 / £11,000 - 26.17%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €3,800 / 15,000
    Wombles #24 = 268.31
    Mortgage - PD 79,207.55 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • kirtsypoos
    • By kirtsypoos 8th Oct 16, 10:01 AM
    • 2,534 Posts
    • 10,372 Thanks
    kirtsypoos
    Morning all,

    #006 checking in with £12541.66/£10000 please muppets
    £1475/3000 OH BC(50.83% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1475/31010.23 (95.24% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13084.71/£10000 Make£10 £194.58
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 10th Oct 16, 7:36 AM
    • 465 Posts
    • 2,513 Thanks
    swimminginaseaofdebt
    Morning everyone,

    #150 reporting in with an updated total of £983.66/£1,264.05.
    NSD Apr - 4/12
    ,
    Pay all debt off by Christmas 2017 #150 - £1111.84/£3729.05
    ,
    6 month challenge #65 - £35.41/£9000
    ,
    SPC10 #564
    • abba1772
    • By abba1772 10th Oct 16, 12:44 PM
    • 3,408 Posts
    • 8,408 Thanks
    abba1772
    Rounded down the account sent £12.22 towards the barclaycard brings my total to £5163.09 / £6000
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £1285.79
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £2015.40 / £6000
    • abba1772
    • By abba1772 11th Oct 16, 9:56 AM
    • 3,408 Posts
    • 8,408 Thanks
    abba1772
    Morning

    Rounded down the account sent £5.01 towards the barclaycard

    Brings my total to £5168.10 / £6000
    HOLIDAY SPENDING MONEY TO BE SAVED BY END OF MAY: £1500 Now £1285.79
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 / £6000
    POAMAYC 2017 £2015.40 / £6000
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 12th Oct 16, 7:40 AM
    • 465 Posts
    • 2,513 Thanks
    swimminginaseaofdebt
    Morning everyone,

    #150 reporting in with an updated total of £985.06/£1,264.05.
    NSD Apr - 4/12
    ,
    Pay all debt off by Christmas 2017 #150 - £1111.84/£3729.05
    ,
    6 month challenge #65 - £35.41/£9000
    ,
    SPC10 #564
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