13 coronacoaster weeks to Christmas

birdofpassage Posts: 33 Forumite
First Post Name Dropper
edited 25 October 2020 at 10:59AM in Mortgage-free wannabe
Hi. I used to frequent the forum several years ago and managed to escape credit card debt mostly by doing debt free challenges and reading debt diaries. Things have changed a lot since then, in good and bad ways. I am now debt-free, except for my mortgage BUT I became a single parent since then :cry: I'm finding the 2020 coronacoaster quite hard to deal with: one week I'm hopeful and motivated, running 5k, cooking healthy, being frugal, and grateful for everything, then the next week I am feeling miserable, lonely, anxious, eating too much chocolate, spending too much money and binging on Netflix. Therefore, I thought setting some short-term goals and keeping a diary would help me keep on the positive side of things more often. I'm actually not good at keeping diaries, so that is a challenge in itself. I realized we have 13 weeks left to Christmas day and came up with a symmetrical challenge (- can you tell I'm slightly OCD? :smile:). The countdown starts today and ends on Christmas day, but obviously I'd like to keep the good habits after that. The challenge:
  • overpay the mortgage by at least £1,300
  • save at least £13 each day (total £1,183)
  • spend no more than £130 weekly (total £1,690) - excluding bills and regular stuff.
  • lose at least 13lbs
  • run at least 130km
  • (NEW) 13 NSDs from 25 Oct to 24 Nov, and another 13 between 25 Nov and Christmas Eve
Please wish me luck and thank you for any words of encouragement or nudging! 


  • Good luck birdofpassage! I started running during the proper lockdown - I ran every day for 50 days so hopefully reading about all your running will inspire me to get back out there as I've been a bit more lax since my challenge :P 
  • Thanks, feel free to join in! I plan to run 5k at least twice a week. I ran 300km from January until end of August then fell off the wagon in September, barely did 5k a week. 
  • Just came up with an extra challenge, to save £13 each day until Christmas day so that's £1,183 total, including xmas day.That shouldn't be that hard as I already save £350 / month through standing orders but my child's getting dental braces and the initial payment is due in November, followed by 10 monthly payments. I created a signature and added all targets so that I can record progress. Feeling excited, hopefully this lasts :wink:
  • beanielou
    beanielou Posts: 90,186 Ambassador
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    Hope your challanges go well.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
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  • 13 weeks til xmas?! Eeek 😮😮😮
    I think it may be s slightly different one this year to the christmases that we are used to.
    Love the 13 week challenge. May just join you.
    Lose 13 pounds. Declutter 13 items a week. 
    Will follow!
    January 2020- starting point! Update jan 2021
    Loan 1: £10798 £5637
    Loan 2 (DH)  £4586 £3280
    Credit card 1: £2496 £1755
    Credit card 2 (DH): approx £1000 £600
    Mortgage: £234,235 £227,746
    Total debt: £252,125  £239,018
    Savings approx £2k. Approx £9k

  • Thanks both! @Ponylover glad you're joining! Could've added decluttering myself, but to be fair I only have one room to declutter. The lockdown did help with some things. I'm off to run the first 5k of the challenge before it starts raining. Have a lovely day everyone! 
  • Good weekend, apart from the fact that I spent £64 in total yesterday and today: on groceries, in a café, and on Amazon. £66 left to spend until Friday. (bills not included). Ran 5km today and played doubles tennis, despite the 'lovely weather'. Signature updated. 
  • bigbeff
    bigbeff Posts: 1,119 Forumite
    First Post Name Dropper First Anniversary
    Oh can I join you in this? You have got my thoughts going! I am going to pay £1300 off my cc. I'll join you trying to run that far. And I could definitely do with losing 13lbs! Good luck 😃
    Debt busting 2022 Total £15842.68 £0 (100% paid since 1/1/22)
  • @bigbeff: you're very welcome! We can all motivate and cheer each other. 
  • Wow that's a great idea birdofpassage! Can't believe it's only 13 weeks until Christmas. Your description of the coronacoster is spot on. I hope your challenges help :)
    Mortgage-free wannabe #66 £105/4000
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