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 24th Sep 16, 8:32 AM
    • 521Posts
    • 4,216Thanks
    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 1,928.82 / 11,000 - 17.53%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    3,750 / 15,000
    Wombles #24 = 218.85
    Mortgage - PD 78,341.39 / 271,495.07 28.85% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
Page 6
    • abba1772
    • By abba1772 17th Oct 16, 8:03 AM
    • 3,220 Posts
    • 7,774 Thanks
    abba1772
    Morning

    Sent 200 to my Halifax card and rounded down my barclaycard and sent 10.95 towards it brings my total to 5593.43 / 6000
    HOLIDAY BALANCE TO BE PAID OFF BY 1ST APRIL: 1800 Now 1064.43
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90 / 6000
    POAMAYC 2017 1109.08 / 6000
    • abba1772
    • By abba1772 18th Oct 16, 7:50 AM
    • 3,220 Posts
    • 7,774 Thanks
    abba1772
    Has everyone started their Xmas shopping as it's getting really quiet on here xx

    Sent 9.86 towards my barclaycard brings my total to 5603.29 / 6000
    HOLIDAY BALANCE TO BE PAID OFF BY 1ST APRIL: 1800 Now 1064.43
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90 / 6000
    POAMAYC 2017 1109.08 / 6000
    • Lil-83
    • By Lil-83 18th Oct 16, 8:47 AM
    • 7 Posts
    • 62 Thanks
    Lil-83
    #095


    7555.50 verses 21k target


    Still going strong the next few months are where the big bucks get paid off so should see the amount coming down quicker
    33000 (2014), 21000 (2015)..... Here's hoping I reach a Zero for 2016!
    Clear all debt by Xmas 2016 = 21k / 5755
    • kirtsypoos
    • By kirtsypoos 18th Oct 16, 10:27 AM
    • 2,181 Posts
    • 8,661 Thanks
    kirtsypoos
    Morning all,

    I haven't been doing my normal daily updates as due to lack of sick pay my totals haven't been changing as I've been unable to PAD

    I'm back today though, and with payday looming will be able to update again shortly

    #006 checking in with 12591.66/10000 please muppets
    1800/3000 OH BC(40% PAID) 1400/3851 B/C (63.64% PAID)
    MBNA 2985/3795.64 (21.35% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D, Tesco & MBNA PAID
    LBM 24/07/15 - Debt: 6185/31010.23 (80.05% paid)
    Mortgage - 165,300.00 (O/P 163.76 so far) PAYDBX 17 #006 - 1453.22/10000
    • muppets
    • By muppets 18th Oct 16, 2:09 PM
    • 521 Posts
    • 4,216 Thanks
    muppets
    Has everyone started their Xmas shopping as it's getting really quiet on here xx

    Sent 9.86 towards my barclaycard brings my total to 5603.29 / 6000
    Originally posted by abba1772
    I'm lucky that I live so far away from family, so that I don't need to buy prezzies this year. OH and I are getting married in Dec so, we probably won't be spending much if we do decide to get each other a present this year.
    PAYDBX 2017 - #01 Pd 1,928.82 / 11,000 - 17.53%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    3,750 / 15,000
    Wombles #24 = 218.85
    Mortgage - PD 78,341.39 / 271,495.07 28.85% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 18th Oct 16, 2:16 PM
    • 521 Posts
    • 4,216 Thanks
    muppets
    Morning all,

    I haven't been doing my normal daily updates as due to lack of sick pay my totals haven't been changing as I've been unable to PAD

    I'm back today though, and with payday looming will be able to update again shortly

    #006 checking in with 12591.66/10000 please muppets
    Originally posted by kirtsypoos
    Hope that you are feeling better now, I do admit to reading your diary but not posting. I subscribed and read the emails when I have some quiet time in work I couldn't believe how inconsiderate your boss was while you were sick. I understand why you went back to work before you were proper better, couldn't believe that your didn't get sick pay while you were off. Big hugs from me.
    PAYDBX 2017 - #01 Pd 1,928.82 / 11,000 - 17.53%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    3,750 / 15,000
    Wombles #24 = 218.85
    Mortgage - PD 78,341.39 / 271,495.07 28.85% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • kirtsypoos
    • By kirtsypoos 18th Oct 16, 3:17 PM
    • 2,181 Posts
    • 8,661 Thanks
    kirtsypoos
    Hope that you are feeling better now, I do admit to reading your diary but not posting. I subscribed and read the emails when I have some quiet time in work I couldn't believe how inconsiderate your boss was while you were sick. I understand why you went back to work before you were proper better, couldn't believe that your didn't get sick pay while you were off. Big hugs from me.
    Originally posted by muppets
    Thanks muppets, it's very frustrating with the lack of sick pay when I feel that I go above and beyond whenever I'm asked to. I guess that's my personal opinion though. I got payslip this afternoon and have been given 2 days pay back as a thank you for going on an overnight work trip when I hadn't fully recovered which has made me feel a bit better. Still not great, but a bit better

    And at least it means we are looking less horrific for PADs this month. In fact, for reasons shortly to be revealed my PADs may well increase.... although it's not a nice shiny new better paid job so don't get too excited for me
    1800/3000 OH BC(40% PAID) 1400/3851 B/C (63.64% PAID)
    MBNA 2985/3795.64 (21.35% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D, Tesco & MBNA PAID
    LBM 24/07/15 - Debt: 6185/31010.23 (80.05% paid)
    Mortgage - 165,300.00 (O/P 163.76 so far) PAYDBX 17 #006 - 1453.22/10000
    • 12 month challenge
    • By 12 month challenge 18th Oct 16, 6:59 PM
    • 2,325 Posts
    • 5,096 Thanks
    12 month challenge
    Yay payday so DDs have gone towards loan payments.

    Update for me today please Muppets


    #2 = 13,965.56/12,000

    Keep going everyone and well done all.
    SP 9#531=620/SP 10 # 531=?
    PDBX 2016 #2 = 16,766.67/12,000
    PDBX 2017 #2 = 1,200/12,000


    ''If you want the rainbow, you gotta put up with the rain''
    • muppets
    • By muppets 18th Oct 16, 7:10 PM
    • 521 Posts
    • 4,216 Thanks
    muppets
    Thanks muppets, it's very frustrating with the lack of sick pay when I feel that I go above and beyond whenever I'm asked to. I guess that's my personal opinion though. I got payslip this afternoon and have been given 2 days pay back as a thank you for going on an overnight work trip when I hadn't fully recovered which has made me feel a bit better. Still not great, but a bit better

    And at least it means we are looking less horrific for PADs this month. In fact, for reasons shortly to be revealed my PADs may well increase.... although it's not a nice shiny new better paid job so don't get too excited for me
    Originally posted by kirtsypoos
    Thats great about the 2 days pay back, as you say still not great, but better then nothing. I will be keeping an eye out for you reveal, getting excited for you and I don't even know what it is lol. xx
    PAYDBX 2017 - #01 Pd 1,928.82 / 11,000 - 17.53%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    3,750 / 15,000
    Wombles #24 = 218.85
    Mortgage - PD 78,341.39 / 271,495.07 28.85% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • abba1772
    • By abba1772 19th Oct 16, 9:30 AM
    • 3,220 Posts
    • 7,774 Thanks
    abba1772
    Rounding down the account again sent 4.11 towards the barclaycard brings my total to 5607.40 / 6000
    HOLIDAY BALANCE TO BE PAID OFF BY 1ST APRIL: 1800 Now 1064.43
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90 / 6000
    POAMAYC 2017 1109.08 / 6000
    • kirtsypoos
    • By kirtsypoos 19th Oct 16, 12:46 PM
    • 2,181 Posts
    • 8,661 Thanks
    kirtsypoos
    Hi all

    #006 checking in with 12831.66/10000 thanks to some unexpected monies repayed!
    1800/3000 OH BC(40% PAID) 1400/3851 B/C (63.64% PAID)
    MBNA 2985/3795.64 (21.35% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D, Tesco & MBNA PAID
    LBM 24/07/15 - Debt: 6185/31010.23 (80.05% paid)
    Mortgage - 165,300.00 (O/P 163.76 so far) PAYDBX 17 #006 - 1453.22/10000
    • kirtsypoos
    • By kirtsypoos 20th Oct 16, 9:36 AM
    • 2,181 Posts
    • 8,661 Thanks
    kirtsypoos
    Morning all,

    #006 checking in with 12851.66/10000 please
    1800/3000 OH BC(40% PAID) 1400/3851 B/C (63.64% PAID)
    MBNA 2985/3795.64 (21.35% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D, Tesco & MBNA PAID
    LBM 24/07/15 - Debt: 6185/31010.23 (80.05% paid)
    Mortgage - 165,300.00 (O/P 163.76 so far) PAYDBX 17 #006 - 1453.22/10000
    • Penniesinmyjar
    • By Penniesinmyjar 20th Oct 16, 9:52 AM
    • 61 Posts
    • 330 Thanks
    Penniesinmyjar
    Morning all! #158 checking in and very excited as I got money back from the Taxman/woman! Woo hoo!
    So 400 onto my last cc bringing my total to 6,731/9,500!
    Nearly 17,000 paid off now
    NOvember Challenge: NSD 7/12 / Food 192.33/215.50
    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!
    • submarine76
    • By submarine76 20th Oct 16, 10:00 AM
    • 92 Posts
    • 278 Thanks
    submarine76
    Member #67 checking if after a long absence from this page. I realised some time ago I was not going to achieve my aim, life goes on and all that.... I am now standing at 3400.00/7950 42.8% paid. I should be well past half way by xmas though, and ready for what will be the final push next year.
    LBM 11 Nov 14 DFD 1 Feb 18 now 5 Sep 17
    CC 7,666.00 now 2,650.00 Car Loan 10,201.30 now 2,100.70
    Tesco Loan 2,806.58 now 0 Santander Loan 3,000.00 now 0
    Overdraft 1,000.00 now 0
    Total 25,013.98 - now 4,750.70
    • kindofagilr
    • By kindofagilr 20th Oct 16, 12:37 PM
    • 5,961 Posts
    • 19,939 Thanks
    kindofagilr
    Just got all my October statements in, so here is my update xx

    #87 4051.85/7000
    At LBM DFD was Dec 2024
    47,166.44
    /38,484.73 ~ 26/01/2017
    ~18.40% Paid

    POAMAYC 2017 #87 PD 1530.64/10,000

    POAMAYC 2016 #87 PD 7454.80/7000


    Current Target: Tesco 1: 2600.00/2194.49 ~ 0% APR (till Aug 17) ~ (as of 26/01/17)
    Next Target: Virgin - R: 4095.34/3593.74 ~ 0% APR (till July 17) ~ (as of 26/01/17)

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    104,409/88,106 (as of 31/12/16) ~ 15.61% Paid

    Survey/Shop and Scan Earning's ~ 2015/58.50 ~ 2016/112.50 ~ 2017/10.00

    My Debt Free Diary (Link)
    • MrsShazbat
    • By MrsShazbat 20th Oct 16, 8:30 PM
    • 363 Posts
    • 1,974 Thanks
    MrsShazbat
    Need to update my main totals but 75 paid off Very this month so far.

    #71 2632.25 / 4785
    PAYDBX 2017 #71 415.89 / 3053.49 * Xmas 2017 #8 93 / 365 * (2016 424.32 / 366)
    * SPCNo.10 #66 (SPCNo.9 442.64 inc Quidco to 2/11/16 138.92 *
    • abba1772
    • By abba1772 21st Oct 16, 8:23 AM
    • 3,220 Posts
    • 7,774 Thanks
    abba1772
    Morning

    Payday for me today so sent 67.26 towards the barclaycard brings my total to 5674.66 / 6000

    Happy Friday peeps xx
    HOLIDAY BALANCE TO BE PAID OFF BY 1ST APRIL: 1800 Now 1064.43
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90 / 6000
    POAMAYC 2017 1109.08 / 6000
    • Pablosammy
    • By Pablosammy 21st Oct 16, 8:54 AM
    • 526 Posts
    • 3,483 Thanks
    Pablosammy
    Woop woop! My FINAL student loan payment went out today, meaning that it's COMPLETELY GONE FOREVER!!! It stood at a whopping 22k when I left Uni.

    But the journey isn't over yet, of course... I'm still on track to be debt free (not including house and car) by early 2017. My next goal is to buy my replacement car with cash, which has meant a slight dialling back of my 'expectations' about what car I'll be getting! The mortgage is here to stay for quite a while yet, unfortunately.

    Anyway, total update...

    #3 6,287/11,856 53.0%
    • kirtsypoos
    • By kirtsypoos 21st Oct 16, 9:10 AM
    • 2,181 Posts
    • 8,661 Thanks
    kirtsypoos
    Morning all,

    Payday check in from me please

    #006 13529.90/10000 please muppets
    1800/3000 OH BC(40% PAID) 1400/3851 B/C (63.64% PAID)
    MBNA 2985/3795.64 (21.35% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D, Tesco & MBNA PAID
    LBM 24/07/15 - Debt: 6185/31010.23 (80.05% paid)
    Mortgage - 165,300.00 (O/P 163.76 so far) PAYDBX 17 #006 - 1453.22/10000
    • MrsShazbat
    • By MrsShazbat 21st Oct 16, 9:39 PM
    • 363 Posts
    • 1,974 Thanks
    MrsShazbat
    Bit slow on the update this month, but 286 paid towards my new 0% card so new total is

    #71 2843.25 / 4785
    PAYDBX 2017 #71 415.89 / 3053.49 * Xmas 2017 #8 93 / 365 * (2016 424.32 / 366)
    * SPCNo.10 #66 (SPCNo.9 442.64 inc Quidco to 2/11/16 138.92 *
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

2,727Posts Today

8,165Users online

Martin's Twitter