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 4th Dec 17, 4:17 AM
    • 732Posts
    • 5,236Thanks
    muppets
    Pay ALL your debt off by Xmas 2018
    • #1
    • 4th Dec 17, 4:17 AM
    Pay ALL your debt off by Xmas 2018 4th Dec 17 at 4:17 AM
    Welcome to PART 1 OF Pay ALL Your Debt Off By Xmas 2018!

    Firstly I would like to welcome all new and existing members from last years thread.

    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 27th December 2018.



    To help me run this thread easily, could you please all post your totals in large text and in a bold colour and post the amount you have paid off // target amount

    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 paid off 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!
    PAYDBX 2017 - #01 Pd £10,446.83 / £11,000 - 94.97%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF #69
    €4,300 / 15,000 Wombles #24 = 540.20
    Mortgage - PD 86,136.83/ 271,495.07 31.72% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
Page 16
    • kirtsypoos
    • By kirtsypoos 9th Jan 18, 9:04 AM
    • 3,185 Posts
    • 14,149 Thanks
    kirtsypoos
    Morning all!

    #006 checking in with £329.10/£4000 please muppets little OP to CC from some unbudgeted funds!
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £684.91/£4000
    • Calling14
    • By Calling14 9th Jan 18, 10:32 AM
    • 2,542 Posts
    • 18,777 Thanks
    Calling14
    #16 Morning everyone. £200 off for me today £100 regular dd and squeezed £100 from my bank act. (not been known to do that in Jan ever)

    #16 401/5552

    Aiming to get under 5k by the end of the month.
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4903 EEK house repairs pushed it back up
    PAYDBX 2018 #16 649/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £484/£2000 starts 8.1.18

    • Florence J
    • By Florence J 9th Jan 18, 12:21 PM
    • 1,843 Posts
    • 10,966 Thanks
    Florence J
    I'm out of the starting blocks now.

    #53 Debt Paid Off = £59/£3000
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2195.92
    Pay off all your debts by Xmas 2017 #53 (£3168.45/£3000)
    November 2017 Credit Card Debt: £3980
    • sunshine81
    • By sunshine81 9th Jan 18, 12:38 PM
    • 809 Posts
    • 4,538 Thanks
    sunshine81
    Pushing through!

    #145 £2869.89 / £19261 (14.90%)
    • jayII
    • By jayII 9th Jan 18, 9:07 PM
    • 39,969 Posts
    • 106,711 Thanks
    jayII
    I've made another payment of £3, so:

    # 11 reporting £914 / £12490
    Total unsecured debt paid off/stoozed in 2018: (£881+33+500)= £1414/£12490.
    Slimming Through The Winter - Slimming World Support Thread #1 2018: 0/8lbs

    • IrishRose12
    • By IrishRose12 9th Jan 18, 10:27 PM
    • 1,464 Posts
    • 6,268 Thanks
    IrishRose12
    Just sold a few things on Ebay so have put that towards my credit card.
    Plus my weekly DD for the credit Union has just came out also

    #57
    £132.01/£3000
    Pay all debt off by Christmas 2018 #57 £132.01/£3,000
    £1 a day challenge 2018 - £7/ £365

    The 365 Day Penny Challenge #2 - £12.50/£650

    2018 - RULE OF 3 Decluttering challenge - 324/1,095 items
    Book challenge 1/20
    • BunnyB22
    • By BunnyB22 9th Jan 18, 10:32 PM
    • 5 Posts
    • 37 Thanks
    BunnyB22
    #TBC reporting £30.00/£16,128.89

    Successfully converted £30 old notes to new notes & paid £30 off Cr Card debt

    Downside - Meeting in London today, made sandwiches for lunch then left them at home

    Spent unplanned £6.15 in canteen - expensive lettuce:-( but did have sarnies for tea
    • limars19
    • By limars19 9th Jan 18, 10:58 PM
    • 6 Posts
    • 25 Thanks
    limars19
    hello its #45 i have not posted yet because dont get paid until last friday of the month but have today accepted offer of another job, better hours and better wages so am going forward with hope in my heart
    • LLM2018
    • By LLM2018 9th Jan 18, 11:02 PM
    • 26 Posts
    • 118 Thanks
    LLM2018
    #78 Hello. I paid £4.36 off my cc today which makes it £154/2494.

    Small steps but it's great seeing the balance go down. I'm trying to pay off as much as I can as the interest will be added on end of Feb but it's a balance transfer card of 9.9% which is a much better deal than the 39.9% rate that I was paying!

    X
    Debt cc £2494
    #21 Make 1% challenge 6/100%
    #78 PAYDBX '18 £154/2494
    #6 Crazy clothes challenge £10 per month only #10 NSD January aim 5/12
    #19 Surveys pay for Xmas' 18 Jan: £2.50 # No buying unnecessary toiletries January '18 7/62
    • Dizzy Imp
    • By Dizzy Imp 10th Jan 18, 7:31 AM
    • 2,122 Posts
    • 19,616 Thanks
    Dizzy Imp
    hello its #45 i have not posted yet because dont get paid until last friday of the month but have today accepted offer of another job, better hours and better wages so am going forward with hope in my heart
    Originally posted by limars19
    Congratulations hope you enjoy your new work!
    • Flee
    • By Flee 10th Jan 18, 7:41 AM
    • 752 Posts
    • 3,293 Thanks
    Flee
    Hello 61 reporting in. I have saved £357 of my £29865. End of the month should see a bit more action when I pay off one of my credit cards.
    I did have to buy some new garage doors and some DIY items which were needed desperately.
    Tesco cc £24/£3224
    Halifax cc £70/£2470
    Tesco Loan £0/£12144
    Car Loan 1 £0/£8241
    Car Loan 2 £263/£3786
    Total Debt = £357/£29865
    • abba1772
    • By abba1772 10th Jan 18, 8:04 AM
    • 4,141 Posts
    • 13,087 Thanks
    abba1772
    £6.92 sent towards the Halifax this morning

    Brings my total to £242.36 / £6000
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4079.85
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £271.58
    • kirtsypoos
    • By kirtsypoos 10th Jan 18, 9:47 AM
    • 3,185 Posts
    • 14,149 Thanks
    kirtsypoos
    Morning all!

    #006 checking in with £454.10/£4000 please muppets

    Unexpected refund so might as well pay it off the CC and make a nice mortgage OP
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £684.91/£4000
    • Calling14
    • By Calling14 10th Jan 18, 11:33 AM
    • 2,542 Posts
    • 18,777 Thanks
    Calling14
    Had a payment back from medicash today £40 so cc payment it is.

    #16 £441/£5552
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4903 EEK house repairs pushed it back up
    PAYDBX 2018 #16 649/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £484/£2000 starts 8.1.18

    • sunshine81
    • By sunshine81 10th Jan 18, 12:26 PM
    • 809 Posts
    • 4,538 Thanks
    sunshine81
    Money came into my bank of £172.22 today, so I sent it straight to the debt!

    #145 £3042.11 / £19261 (15.79%)

    Aiming for 20% by the end of the month.
    Last edited by sunshine81; 10-01-2018 at 12:30 PM.
    • Iheart
    • By Iheart 10th Jan 18, 7:10 PM
    • 103 Posts
    • 662 Thanks
    Iheart
    Been continuing to do a PAD so can update my total as

    £500.01/£4974.40 #89
    SPC11 #33
    2018 - The year to slay the loan £487.56/£4947.40
    • rovers86
    • By rovers86 10th Jan 18, 8:46 PM
    • 17 Posts
    • 34 Thanks
    rovers86
    Get paid soon hope to put a few payments through.

    Just to say you guys are doing so well keep it up !!
    debts :
    Virgin £2799
    Rbs £1879
    Halifax £930
    Nationwide £428
    Very £301
    • jayII
    • By jayII 10th Jan 18, 8:48 PM
    • 39,969 Posts
    • 106,711 Thanks
    jayII
    We received £500 bank switch incentives today so I'm now at

    #11 £1414 / £12490
    Total unsecured debt paid off/stoozed in 2018: (£881+33+500)= £1414/£12490.
    Slimming Through The Winter - Slimming World Support Thread #1 2018: 0/8lbs

    • muppets
    • By muppets 10th Jan 18, 8:59 PM
    • 732 Posts
    • 5,236 Thanks
    muppets
    Hi please can i join not done this before I need to pay £5500 off
    Originally posted by Smijil
    Welcome, you are number 107


    Hi, I'm new and have just stumbled across this challenge, please could I join? I have a loan I would like to pay off, its not all my debt but it's the only one I am paying interest on so really want it gone. The balance currently stands at £13,916.91 - Also I apologise if this has been covered elsewhere but do I just share the amount that has come off my total (minus the interest paid) thanks everyone, excited to get started! x
    Originally posted by Mum.Wife.Me
    Welcome, you are number 109. You can count it off the total amount or minus the interest, whichever make you feel the most motivated to pay off your debts.
    PAYDBX 2017 - #01 Pd £10,446.83 / £11,000 - 94.97%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF #69
    €4,300 / 15,000 Wombles #24 = 540.20
    Mortgage - PD 86,136.83/ 271,495.07 31.72% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
    • muppets
    • By muppets 10th Jan 18, 9:09 PM
    • 732 Posts
    • 5,236 Thanks
    muppets
    Please can I join in once I get my number I'll post the details.....best go work it out!
    Originally posted by foxyloxy11
    Welcome you are number 110


    Hi all,

    Happy New Year!
    Please could I join in this challenge?
    I'd like to clear £15,000 by Christmas 2018.
    Originally posted by davies28
    Welcome you are number 111
    PAYDBX 2017 - #01 Pd £10,446.83 / £11,000 - 94.97%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF #69
    €4,300 / 15,000 Wombles #24 = 540.20
    Mortgage - PD 86,136.83/ 271,495.07 31.72% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
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

1,650Posts Today

8,257Users online

Martin's Twitter