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The Debt Free Birthday Club Challenge!

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  • SarahNeedle1872
    SarahNeedle1872 Posts: 6,166 Forumite
    Thanks F_F for doing that. And as promised, I have paid £92.91 since the reset :)

    Sx
    'We are all in the gutter, but some of us are looking at the stars' - Oscar Wilde
  • nickynoo08
    nickynoo08 Posts: 1,860 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Good news all my dd's have now come out and i'm left with £2 in my bank so all my re-jigging just about worked. Phew!
    Bad news our car is kaput! Gonna cost us £65 to fix, thankfully my mum owes us some money and is gonna pay it for us or we'd be screwed.
    Once this week is over i'll be able to get back on track with my daily payments to my loan.
    £387.39/£196.46
    Pay my debt by End of Feb 2022
    49.28% paid!

    £199.55/£500 savings by End of April 2022
    39.91% saved!

    Make £2022 in 2022 - £20
  • LondonAndy
    LondonAndy Posts: 1,326 Forumite
    Thanks FF for the no-smoke nod! It really helps with chipping away at the debt...I know I should be doing it for my health etc but the £5 a day to debt is keeping me going. :j

    Hope all DFB's are doing well !! Popped on with a milestone as my Capital1 now sits at £2,340 - which is a tenner over HALF WAY !! Woo-hoo. Thrilled with that and can see the light at the end of the tunnel. Eyes down for another month of serious debt busting....

    I have pretty much cleared the social diary for June, helped along by having 3 wisdom teeth due to come out under general an. on Jun 17th :eek: and a weekend visiting the folks back in Leicester (never have to spend and get treated when there!)

    So, if all goes to plan, I can get another £800 off this beast and down to about £1,500 by July 1st. Where was all this cash going before, even taking out £150 a month for smokes?? :o

    Keep going everyone- set backs happen. All part of the grand plan to become debt free. "What doesn't knock you down makes you stronger...."

    (as my old gran used to say, when telling us wartime stories about how they were bombed out THREE times in Coventry!)
    Debt Free 25th August 2010 with PAD !!
    TARGETS : :D:D
    Save 12k in 2013: #068 : £7,305/£12,000
  • LondonAndy
    LondonAndy Posts: 1,326 Forumite

    You won't be as nice when The Toon is beating the mighty Leicester next season :rotfl::rotfl::rotfl::rotfl::rotfl::rotfl: (We're doooooomed!)

    Just spotted this and so my niceness has been retracted....he he :rotfl::rotfl::rotfl::rotfl:

    I think you will find that "foxes" eat "magpies" for tea.....:p:p
    Debt Free 25th August 2010 with PAD !!
    TARGETS : :D:D
    Save 12k in 2013: #068 : £7,305/£12,000
  • Silaqui
    Silaqui Posts: 2,778 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    OMG I am soooo rubbish at keeping up with things. Not only did I have to rescue my own bloody thread from the depths of my hotlist the other day, but I forgot all about this one too!

    Good going to everyone though, everyone on here is making really good progress.

    Well done!

    Oh btw good one about the magpies Andy :)
    x
    Ths signature is out of date because I'm too lazy to update it... :o
  • BabyBetty
    BabyBetty Posts: 196 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Hi everyone,

    debt.png

    Not posted much, but still podding alone chipping at the debt.

    Thought I would try a new ticker thing to remind me of where I'm at. No hols until I have cleared off the debt!!! it is so hard!!!
    Original debt at LBM July 2008, £47, 654.34. Debt at January 2016, £21,443. Barclaycard [STRIKE]£9,000[/STRIKE]£8,756, Tesco cc [STRIKE]£3000[/STRIKE]£1,136. Debenhams storecard [STRIKE]£350[/STRIKE]£263, OD [STRIKE]£3,500[/STRIKE] £3,000, Corp Tax £3,036, Study loan £1,750, Smaller debts £2,000.

    Since my LBM I have not been fully committed so now I have had a 2nd LBM.
    Aiming to be debt free by December 2016:D
  • runmichellerun
    runmichellerun Posts: 864 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    edited 7 June 2009 at 9:33PM
    Hello. Can I join too please? I'm turning 30 this August so no chance of me getting rid of my debt by then, but I think it's do-able to get rid of it by the time I'm 32.

    My current dfd is May 2011 but if I have too many months like the one I'm having now (lots of birthdays in one month!) then it will put me back a bit.

    Obviously, the aim is to get rid of it before age 32, but I shan't be too hard on myself if I don't :rolleyes:

    So, the aim is: Get rid of £10,000 debt by August 2011, my 32nd birthday

    Thank you

    RMR
    x
    LBM February 2008. DFD March 2013 19 August 2011
    Debt at LBM £14,395.48. Debt Now £0
  • Hopeful34
    Hopeful34 Posts: 79 Forumite
    Hi all. I originally posted that I would like to be debt free by my 35th birthday, which is in 3 months. I was going to throw all I had at my debt but really this goal was always very over ambitious. I've now received news that my income is going to be reduced so I'm going to struggle a bit. I'm still going to pay attention to my debts but I need to be a bit more realistic and just take one day at a time. So, I'm going to opt out of this challenge please. Good luck to you all and keep up the good work.
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Hopeful - rather than opting out completely - could you change the birthday you want to be debt free by? Don't give up....!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • laura2481
    laura2481 Posts: 4,305 Forumite
    1,000 Posts Combo Breaker
    Hi Hopeful - rather than opting out completely - could you change the birthday you want to be debt free by? Don't give up....!
    Yeah! Don't give up- we're still here for you one day at a time.. you can come here and vent, or discuss tactics... or just hang out! :D
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