PAY ALL YOUR DEBT OFF BY XMAS 2023

ahall3519

Congratulations @[Deleted User]

Please put me down for £25 to the usual which now makes it 

#2 £449.35/£659 68% paid

stuartp2000

As we enter the final weeks of 2023 I just wanted to say a well done to everyone on some impressing debt reductions, the totals on page 1 are amazing.
Personally I started 2023 with 8k in unsecured debt and for the first time in 30 years exit the year with only a mortgage debt to clear and the starting few £ of an emergency fund, this thread was a great motivator.

A special thanks to @shell16 for doing the scores, your efforts in this are brilliant and really appreciated.

ahall3519

Well done @stuartp2000

Please put me down for £27.75 which now makes it

#2 £477.05/£659 72% paid

MrMrsR

Final amount of the year for me. I need to start xmas shopping!

But I'm #46 6550/8400 (1850 left)

Nearly got there! Proud because its on 0% usually I pay it down while building back up on another card then transferring that to a 0% deal at a cost so its been a cycle for years. This year I didn't build up else where 🙏 hopefully I can clear that in the next few months and start to save instead. Well done toneveryone else chipping away or fully paid up ❤️ 💙 

IrishRose12

I'm no-where near paying off my debt this year.
So I've sat down this past week and really concentrated on where I have to stop spending, what I can do to help stay focused next year and hopefully by the end of 2024 I'll be debt free.

I've taken the plunge and switched to a balance transfer 0% deal which was for 29 months!  so already I'm feeling less stressed and focused on paying that off. 

With things happening here I'm over £3000 in debt... if I can make it to under £1000 by this time next year I'll be happy.


A huge well done to all those who have so amazingly well this year in their quests  to become debt free,  Whether you have become debt free or are still plugging away at it, a huge well done and keep going! 

I wish you all a Very Merry Christmas, lots of lovely time with your families/friends etc and enjoy every single minute.

Keedie

Well done on breaking the cycle @MrMrsR, it makes all the difference doesn't it? 

Getting such a great 0% interest deal is amazing @IrishRose12 and it will make all the difference moving forward. 

You should both consider join us on the Payment a Day challenge https://forums.moneysavingexpert.com/discussion/6413218/payment-a-day-chapter-2023/p1 (but you don't need to make a payment a day, it just helps with accountability and consistency, you make payments and declare them as when your budget allows). A new thread will be starting for 2024 (I just need to set it up at some point next week). That has helped me to keep plugging away at my goal.

I paid another £500 today so...

#42 £6,622.88/£6,000 (110.38%)

shell16

Keedie said:

Congratulations @[Deleted User]! What a fantastic achievement. 

I've paid another £250 so

#42 £6,122.88/£6,000 (102.05% repaid)

Brilliant!  Well done on clearing your target and before Christmas too!
Shell x

shell16

Morning

Just caught up on the payments made since last time and thought I would post an update.  A huge congratulations to those that have paid off their debts, paid off their targets for the year or in many cases exceeded their debt payoff target.

I would just like to say sorry for not being on this forum on a regular basis, home life is very hectic and also ongoing issues in the family.  I just cannot dedicate the time after this year and you all deserve so much more support than I can give and that you rightly deserve. 

Keep plugging away, remember anything you pay is less than what you started the year with so give it a final push to the finish line!

Number	Name	Target	Payments	%
1	Shell16	£    2,666	£2,786.00	104.50
2	Ahall3519	£        659	£             477.05	72.39
3	Antomac	£    5,800	£             323.00	5.57
4	Bekah89	£    4,000	£          1,432.74	35.82
5	Doily94	£    7,077	£             252.18	3.56
6	Outoftheviciouscircle	£  18,000	£        11,892.56	66.07
7	Messydebt	£  23,302	£          5,353.00	22.97
8	Gingerwarrior	£    2,208		0.00
9	Lanky_larry	£    3,675	£          3,675.00	100.00
10	SupersavingD	£    5,460	£          5,460.00	100.00
11	She_always_has_a_plan	£    7,350	£             579.93	7.89
12	Littlemissdetermined	£    4,713	£          4,713.00	100.00
14	Pixie-fairydust	£    5,000		0.00
15	LLM2018	£    5,000	£             437.80	8.76
16	angelicious	£    3,780	£             153.31	4.06
17	Blackberrycurved	£    6,000	£          3,000.00	50.00
18	Stuartp2000	£    8,000	£          8,000.00	100.00
19	Gettingmyshiztogether	£  10,676	£          1,137.32	10.65
20	_Dolly_Rocker_	£  15,246	£          1,296.58	8.50
21	bigbeff	£    6,089	£          6,089.00	100.00
22	Buffythedebtslayer	£    4,222	£             572.00	13.55
23	Jrcoal5	£    7,800	£          7,112.00	91.18
24	Birdee	£    4,385	£          4,385.00	100.00
25	Maeve444	£  14,258	£          5,033.20	35.30
26	nomi01	£    5,000	£          5,000.00	100.00
27	Randomone	£  10,457		0.00
28	Welshspendthrift	£  11,200	£        11,200.00	100.00
29	tryingtodobetter	£1,975	£          1,276.00	64.61
30	gill5blue	£7,941	£          3,340.45	42.07
31	jody51	£18,010	£        18,010.00	100.00
32	cybertortoise	£5,000	£             740.99	14.82
33	Snoopys_Fiendish_Friend	£8,124		0.00
34	jingsmybucket	£    7,000		0.00
35	Irishrose12	£4,500	£          1,800.00	40.00
36	Honeysucklelou2	£4,300	£          1,415.00	32.91
37	Adeley	£    2,565	£          1,565.00	61.01
38	CMD79	£13,764		0.00
39	The_long_and_winding_road	£12,000	£          2,570.09	21.42
40	Golden_Goose_The	£5,478	£             405.00	7.39
41	MissPennySave	£12,000	£        13,459.75	112.16
42	Keedie	£6,000	£          6,622.88	110.38
43	Living_my_best_life	£  10,377	£          2,898.34	27.93
44	Cheesephetamine	£6,998		0.00
45	olaf2014	£        500	£               64.50	12.90
46	MRMrsR	£8,400	£          6,550.00	77.98
47	Tara66	£4,348	£          1,343.50	30.90
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	£          9,840.33	55.25
52	Rochelle13	£15,000		0.00
53	Rdpncp	£3,000		0.00
54	kmcld2	£4,786	£          3,132.00	65.44
55	BSideBaby	£4,800	£          1,465.70	30.54
56	real_name_hidden	£17,658	£        17,658.00	100.00
57	shayal2	£  24,360	£             528.00	2.17
58	Madmumof4	£    4,110	£          2,247.94	54.69
59	angelbob	£    7,008	£             570.00	8.13
60	Squirrelz92	£6,000	£          1,286.23	21.44
61	Stanzelsa	£1,400		0.00
62	BlueJ94	£751		0.00

Total Target set by members - £481,493
Total paid off so far - £190,645.66
39.6%

Shell x

Keedie

Thanks @shell16 for running this thread and for keeping us going and motivated. I hope things settle with family life and you have an easier time of it for 2024.

ahall3519

Well done everyone! Great work! Thanks @shell16 for everything you have done this year for this thread. 

Please put me down for £35 which now makes it 

#2 £512.05/£659 78% paid. 

Not sure if i'll get this fully paid by Christmas...will see what money i have left after payday.