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PAY ALL YOUR DEBT OFF BY XMAS 2023

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  • Hi Shell could you put me down for £5000 please. I hope that’s doable. I’m looking for a zillion ways to be more frugal this year 
    DF by 2023 No 17 £1,644 /£6000 Total debt £18,000 at the start of DFW Journey. 201814TH JULY 2021 DEBT FREE now in control365 1p challenge No 49
  • shell16
    shell16 Posts: 1,354 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Welcome @Blackberrycurved (number 17)

    Shell x
                                                                                             

     Debt Free - 04/03/23.  Total LBM August 2021 £15410.70

  • Hi Shell,

    Can I join please my total unsecured debt is a touch under 8k so am going to target to clear all 8000 in 2023 then move onto the mortgage.

    just so I a clear do we include total payments each month or only any over payments on top of the monthly minimum? 
    If only OP then I will need to reduce the above to 2500 as the overpayment required to clear it all in 2023.

    Some debt (20%) is interest free so I plan to actually put the OP into a savings account and pay off in full in December again if that is allowed.
    Challenges
    MFW 2025 #6 - 14871.56/14,000

    Completed Challenges
    MFW 2024 #35 - 9,000/9,000
    Pay off all debts by 2023 - #18 8,000 / 8,000

  • # 9 checking in - can I amend my total, I completely missed the very account 🙄

    Actual total 

    £3675

    Widowed November 2024
    navigating whatever fresh hell this ‘new’ life is, as best I can, for our kids and in his memory.  




  • shell16
    shell16 Posts: 1,354 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 29 December 2022 at 11:11AM
    @stuartp2000 (Number 18) I would include all payments made to clearing debt x
                                                                                             

     Debt Free - 04/03/23.  Total LBM August 2021 £15410.70

  • Hello! I ve been lurking over in the 2022 thread for the last couple of months, and was hoping there would be one for 2023, so THANK YOU @shell16 for volunteering to run it.

    In 2023 my goal is to clear £10,675.89 of unsecured debt.

    Grocery Challenge 🍇🍈🍉🍊🍋🍌🍍
    January 2023 £347.16/ £250 ♥
    Feb 2023 £423.01 /£420 💚
    March £351.84 /£400 💚
    April £320.23 /£400 💚
    May £142.90 /£380 (plus £80 roll over from April = £460) 

    Christmas 2023 Saver #42 £305/£730🎄🎁🎄🎁

  • Hi, 

    I would love to join in!

    Still getting my totals together now - Just waiting on statements etc. 

    Dreading it and looking forward to it at the same time.

    Least once I have it all written down I can get a plan in place to get rid!
    Debt Free - 4th June 2025
  • bigbeff
    bigbeff Posts: 1,119 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi, can I join please? Total debt to clear is £6088.20. Thank you :) 
    Debt busting 2022 Total £15842.68 £0 (100% paid since 1/1/22)
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