We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
PAY ALL YOUR DEBT OFF BY XMAS 2023
Comments
-
£5 paid to CC3
#4 £755.45 / £4000
March NSD 14/15
Debt £9607.54/£11296.89
CC2:£2274.64/£2299.36 CC3: £1848/£1924.91 CC4:£25/£978.50 CC5: £1155/£1331.24 CC6: £3754.90/£4191.09 CC7: £550/£607.39
CC1: paid off 14/02/23PAYDBXMAS23 #4 £1432.74/£4000
Saving for Xmas 23 £30/£365
4.94% £570.89/£107
make £2023 in 2023 #24 £71.24/£20234 -
£200 credit card direct debit paid, plus made an extra £200 payment
there will be a bit of interest on it next month but I’ll adjust for that next monthTotal paid off so far: £1425
Widowed November 2024
navigating whatever fresh hell this ‘new’ life is, as best I can, for our kids and in his memory.4 -
I’ve paid 3675 towards my debt
4196.37/17812.04
#51 debt free by Christmas
9840.33//17812.04
Garden - 3675 // 0
Holiday - 150 // 0
Simba - 318.50 // 0Emergency - 1000 // 0Sofa - 850 // 0
Ring - 808.94 // 0
Bike - 6033 // 4271.46
Tesco - 4976.60 // 3700.25
Total - 7971.714 -
£320 paid and another debt paid off in full

PAYDBXMAS23 #26 £1313.44/£5000 paid
🎄PAYDBXMAS21 #11 £11,300/£11300
Target met.
💥PAYDBXMAS22 #11 £5000/£5000 target met.
PAYDBXMAS23 #26 £5000/£5000 paid4 -
Morning All
I thought I would post a Total of the debt paid off so far for all members for the month of January! Wow its an amazing figure, Well done, every payment is a positive no matter how large or small! I think I will update the totals for each month on the first page so we can look at that for motivation! As ever apologies for the formatting.Number Name Target Payments % 1 Shell16 £ 2,666 £761.00 28.54 2 Ahall3519 £ 153 £ 140.20 91.63 3 Antomac £ 5,800 £ 323.00 5.57 4 Bekah89 £ 4,000 £ 755.45 18.89 5 Doily94 £ 7,077 £ 252.18 3.56 6 Outoftheviciouscircle £ 12,000 £ 1,224.40 10.20 7 Messydebt £ 23,302 £ 1,252.87 5.38 8 Gingerwarrior £ 2,208 0.00 9 Lanky_larry £ 3,675 £ 1,425.00 38.78 10 SupersavingD £ 5,460 £ 461.00 8.44 11 She_always_has_a_plan £ 7,350 £ 579.93 7.89 12 Littlemissdetermined £ 4,713 £ 783.00 16.61 14 Pixie-fairydust £ 5,000 0.00 15 LLM2018 £ 5,000 £ 218.90 4.38 16 angelicious £ 3,780 £ 153.31 4.06 17 Blackberrycurved £ 6,000 £ 90.00 1.50 18 Stuartp2000 £ 8,000 £ 937.73 11.72 19 Gettingmyshiztogether £ 10,676 £ 224.87 2.11 20 _Dolly_Rocker_ £ 15,246 £ 648.29 4.25 21 bigbeff £ 6,089 £ 600.10 9.86 22 Buffythedebtslayer £ 4,422 0.00 23 Jrcoal5 £ 3,000 £ 662.30 22.08 24 Birdee £ 4,385 £ 950.00 21.66 25 Maeve444 £ 14,258 0.00 26 nomi01 £ 5,000 £ 993.44 19.87 27 Randomone £ 10,457 0.00 28 Welshspendthrift £ 11,200 £ 831.19 7.42 29 tryingtodobetter £1,975 £ 165.00 8.35 30 gill5blue £7,941 £ 676.24 8.52 31 jody51 £18,010 £ 1,245.00 6.91 32 cybertortoise £5,000 0.00 33 Snoopys_Fiendish_Friend £8,124 0.00 34 jingsmybucket £ 7,000 0.00 35 Irishrose12 £4,500 £ 320.00 7.11 36 Honeysucklelou2 £4,300 £ 70.00 1.63 37 Deleted_User £ 2,565 0.00 38 CMD79 £13,764 0.00 39 The_long_and_winding_road £12,000 £ 1,620.79 13.51 40 Golden_Goose_The £5,478 £ 405.00 7.39 41 MissPennySave £12,000 £ 1,287.71 10.73 42 Keedie £8,000 £ 637.87 7.97 43 Living_my_best_life £ 10,377 £ 241.67 2.33 44 Cheesephetamine £6,998 0.00 45 olaf2014 £ 500 £ 21.50 4.30 46 MRMrsR £8,400 £ 940.00 11.19 47 Tara66 £4,348 £ 555.50 12.78 48 Ega £15,755 0.00 49 Herewegoagainx100 £ 5,750 0.00 50 ZaSa1418 £ 12,000 £ 1,495.29 12.46 51 MillieG90 £17,812 £ 521.37 2.93
Total Target set by Members - £383,514
Total Paid so far - £24,471.10
6.4%Debt Free - 04/03/23. Total LBM August 2021 £15410.70
4 -
Another DD has left my bank so new update:
#41 £1637.71/£12000
Thanks. MPS.x
I AM DEBT FREE!!!!!! (as at 24.10.25)
November 2022 - £46,626.96 / November 2025 - £0.00
Debt paid off - £46,626.96 (100%)
Completed Challenges:
#10 DFBXMAS25 £15120.00 / £15120.00 (100% paid off) COMPLETED!
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary3 -
Just a small PAD today of £1.15
takes my total to
£663.45/£3000
Pay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800-**DEBT FREE April 2024**
£9400 saved for emergency fund3 -
Pay day update from me. Another £950 paid off this month.
#24 - £1,900/£4,384.36
DEBT FREE
Starting Debt = £25,046.68 (Nov 2019)
Current Debt = £0
Total paid off = £25,046.68 (100%) June 2023
Pay Debt by Xmas23 #24 - £4,384.36/£4,384.36
Pay Debt by Xmas22 - £4,957.69/£9,342.053 -
Hello, I'd like to join this please. I have about £25k overall so I'd like to clear £15k by Xmas 23.Pay debt by Xmas 23 #52 £/£15,0003
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards


