When's your Debt Free Date?

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  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Our's is 1 April 2017.

    DH starts a new job on Monday which is 4k less a year than the one he is just finishing but I am hoping that by being sensible we can still achieve this!

    Dxxx
  • Wimbrel
    Wimbrel Posts: 70 Forumite
    First Anniversary First Post PPI Party Pooper
    edited 3 September 2016 at 12:39PM
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    I was working towards debt free by Christmas and could possibly still make it if I went all out but, due to an HMRC re-calculation/ balancing payment I've had to add a bit on to the totals this month so my realistic new goal is Jan 31st 2017.

    I am more that content with that In fact I was dancing round the kitchen this morning when I'd finished doing the sums . It's been a long hard haul but oh so worthwhile!
  • datlex
    datlex Posts: 2,239 Forumite
    Name Dropper First Anniversary Combo Breaker First Post
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    My debt free date currently is 20/06/2017.
    Paid off the last of my unsecured debts in 2016. Then saved up and bought a property. Current aim is to pay off my mortgage as early as possible. Currently over paying every month. Mortgage due to be paid off in 2036 hoping to get it paid off much earlier. Set up my own bespoke spreadsheet to manage my money.
  • Dandytf
    Dandytf Posts: 4,820 Forumite
    First Anniversary Name Dropper First Post
    edited 3 September 2016 at 1:54PM
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    My Step Change 'journey'

    Debt Free date -Nov 19

    2 full time jobs since 2010 -latest since March 2011-please don't ask what happened.

    I sometimes think maybe my MS diagnosis may have had something to do what's happened past few yrs, Health + my rediculous 0% credit card past usage -only came to haunt 2012 1 yr after starting my latest job.
    Replenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb
  • louby40
    louby40 Posts: 1,519 Forumite
    First Anniversary First Post Combo Breaker
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    DF date is 30th July 2017!! (this is for my short term debts, not car loan and mortgage)
  • HEROWHENZERO
    HEROWHENZERO Posts: 91 Forumite
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    Debt Free Date Currently February 2033!!!!!
    Just for today I will not try to solve all my life problems at once. | DFD: [STRIKE]April 2033[/STRIKE] Aug 2023
    Original Debt: £96K Mar 2016 | Current Debt: £47350     Aug 2018
  • MustTryHarderNow
    MustTryHarderNow Posts: 6 Forumite
    edited 5 September 2016 at 11:29AM
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    Aiming for October 2018! That's 100 weeks, more or less, or being very good indeed. Here goes...

    (That's just credit cards, not mortgage)
    -MTHN
  • MustTryHarderNow
    MustTryHarderNow Posts: 6 Forumite
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    BettyBones wrote: »
    Just 9 more pay days to go. Should be done and dusted by May 26th 2017 hopefully :)

    That's a great way to look at it. That means I should have... just 24 pay days to manage it. That's doable., surely. (Crosses fingers, crosses everything.)
  • kindofagilr
    kindofagilr Posts: 6,825 Forumite
    First Anniversary First Post
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    Wimbrel wrote: »
    I was working towards debt free by Christmas and could possibly still make it if I went all out but, due to an HMRC re-calculation/ balancing payment I've had to add a bit on to the totals this month so my realistic new goal is Jan 31st 2017.

    I am more that content with that In fact I was dancing round the kitchen this morning when I'd finished doing the sums . It's been a long hard haul but oh so worthwhile!

    You have done amazing!!! and given me hope that I can do this :) xx
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

     My Debt Free Diary (Link)
  • whattodo1967
    whattodo1967 Posts: 82 Forumite
    First Anniversary Combo Breaker Debt-free and Proud!
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    My date is 2018 cannot wait, I can see light at the end of the tunnel now :)
    LBM April 2012, started Dmp with Stepchange June 2012 £47k:eek: Proud to finally be dealing with our debts:)
    Nov 18 3 more payments to DFD
    Dec 18 2 more payments to DFD
    Jan 19 1 more payment to DFD
    Feb 19 Last Payment now debt free :)
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