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  • FIRST POST
    • muppets
    • By muppets 24th Sep 16, 8:32 AM
    • 363Posts
    • 3,001Thanks
    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 2016 - #01 Pd £11,860.60 / £12,000 - 98.83%
    SPC10 #93
    MFiT-T4 #9
    UK debts
    PD £15,047.83 / £20,155.54 - 74.65%
    Mortgage - PD 76,609.07 / 271,495.07 28.21% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
Page 6
    • abba1772
    • By abba1772 17th Oct 16, 8:03 AM
    • 3,007 Posts
    • 6,992 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
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £93.85

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7445.53/ £6000
    • abba1772
    • By abba1772 18th Oct 16, 7:50 AM
    • 3,007 Posts
    • 6,992 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
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £93.85

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7445.53/ £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
    • 1,780 Posts
    • 6,717 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
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14957.15/£10000
    • muppets
    • By muppets 18th Oct 16, 2:09 PM
    • 363 Posts
    • 3,001 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 2016 - #01 Pd £11,860.60 / £12,000 - 98.83%
    SPC10 #93
    MFiT-T4 #9
    UK debts
    PD £15,047.83 / £20,155.54 - 74.65%
    Mortgage - PD 76,609.07 / 271,495.07 28.21% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • muppets
    • By muppets 18th Oct 16, 2:16 PM
    • 363 Posts
    • 3,001 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 2016 - #01 Pd £11,860.60 / £12,000 - 98.83%
    SPC10 #93
    MFiT-T4 #9
    UK debts
    PD £15,047.83 / £20,155.54 - 74.65%
    Mortgage - PD 76,609.07 / 271,495.07 28.21% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • kirtsypoos
    • By kirtsypoos 18th Oct 16, 3:17 PM
    • 1,780 Posts
    • 6,717 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
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14957.15/£10000
    • 12 month challenge
    • By 12 month challenge 18th Oct 16, 6:59 PM
    • 2,285 Posts
    • 4,857 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.
    EF#154 = £1,000
    SP 9 # 531 = £620 SP 10 # 531 = ?
    PDBX #2 = £15,651.01/£12,000
    Barclaycard 1 paid Barclaycard 2 paid
    • muppets
    • By muppets 18th Oct 16, 7:10 PM
    • 363 Posts
    • 3,001 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 2016 - #01 Pd £11,860.60 / £12,000 - 98.83%
    SPC10 #93
    MFiT-T4 #9
    UK debts
    PD £15,047.83 / £20,155.54 - 74.65%
    Mortgage - PD 76,609.07 / 271,495.07 28.21% MF Aug 2038 Sept 2035
    My diary - Making a move on debt
    • abba1772
    • By abba1772 19th Oct 16, 9:30 AM
    • 3,007 Posts
    • 6,992 Thanks
    abba1772
    Rounding down the account again sent £4.11 towards the barclaycard brings my total to £5607.40 / £6000
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £93.85

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7445.53/ £6000
    • kirtsypoos
    • By kirtsypoos 19th Oct 16, 12:46 PM
    • 1,780 Posts
    • 6,717 Thanks
    kirtsypoos
    Hi all

    #006 checking in with £12831.66/£10000 thanks to some unexpected monies repayed!
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14957.15/£10000
    • kirtsypoos
    • By kirtsypoos 20th Oct 16, 9:36 AM
    • 1,780 Posts
    • 6,717 Thanks
    kirtsypoos
    Morning all,

    #006 checking in with £12851.66/£10000 please
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14957.15/£10000
    • Penniesinmyjar
    • By Penniesinmyjar 20th Oct 16, 9:52 AM
    • 61 Posts
    • 328 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
    • 84 Posts
    • 256 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 £3,800.00 Car Loan £10,201.30 now £3,001.00
    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 £6,801.00
    Pay debt by Xmas 2016 Member #67 = £4150.00/£7950 52.2% paid
    • kindofagilr
    • By kindofagilr 20th Oct 16, 12:37 PM
    • 5,901 Posts
    • 19,689 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
    /£32,401.93 ~ 24/11/2016
    ~31.30% Paid

    POAMAYC 2016 #87 PD £7454.80/£7,000

    Current Target: Tesco 1: £2600.00/£2264.84 ~ 0% APR (till Aug 17) ~ (as of 24/11/16)
    Next Target: Virgin - R: £4095.34/£3666.71 ~ 0% APR (till July 17) ~ (as of 24/11/16)

    Mortgage (Start Date 01/04/09 ~ 30 year term, due to end 01/07/39)
    £104,409/£88,612 (as of 31/10/16) ~ 15.12% Paid

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

    My Debt Free Diary (Link)
    • MrsShazbat
    • By MrsShazbat 20th Oct 16, 8:30 PM
    • 318 Posts
    • 1,669 Thanks
    MrsShazbat
    Need to update my main totals but £75 paid off Very this month so far.

    #71 £2632.25 / £4785
    PAYDBX 2016 #71 £3109.44 / £4785 * Xmas 2017 #8 £0 / £365 * (2016 £424.32 / £366)
    * SPCNo.10 #66 (SPCNo.9 £442.64) *
    • abba1772
    • By abba1772 21st Oct 16, 8:23 AM
    • 3,007 Posts
    • 6,992 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
    BARCLAYCARD TO BE PAID OFF BY XMAS Sept 16: £2299 Now £93.85

    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £7445.53/ £6000
    • Pablosammy
    • By Pablosammy 21st Oct 16, 8:54 AM
    • 522 Posts
    • 3,470 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
    • 1,780 Posts
    • 6,717 Thanks
    kirtsypoos
    Morning all,

    Payday check in from me please

    #006 £13529.90/£10000 please muppets
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14957.15/£10000
    • MrsShazbat
    • By MrsShazbat 21st Oct 16, 9:39 PM
    • 318 Posts
    • 1,669 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 2016 #71 £3109.44 / £4785 * Xmas 2017 #8 £0 / £365 * (2016 £424.32 / £366)
    * SPCNo.10 #66 (SPCNo.9 £442.64) *
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