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100 STEPS TO DEBT FREE BY XMAS 2024

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Comments

  • Highlanddream
    Highlanddream Posts: 364 Forumite
    Seventh Anniversary 100 Posts Name Dropper Combo Breaker
    edited 3 June 2024 at 8:12PM
    BudgetingBelinda said:
    Highlanddream said:
    BudgetingBelinda said:
    47.5/100
    so want to get to 50 before June but can’t see it happening at the moment! 
    Have you made it ? 

    @Highlanddream I’m at 55 now. Budget couple of months on overpayments now 🙄😬 car MOT July! Goooo steppers! Great work! 
    Well done at the 55 :), fingers crossed for the MOT. It is always a real worry. 
    Sept 24 : £32000                  Sep 25 - £10356         Feb 26 - £6872               
    May 25 :  £14000                  Oct 25 -  £9569          Mar 26 - £5998         
    June 25 : £13000                   Nov 25 - £9275                                  
    July 25 :  £12000                   Dec 25 - £8975
    Aug 25 :  £11436                   Jan 26 -  £8065
  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,146 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    edited 8 June 2024 at 9:34AM
    77.5/100 steps after normal payment and extra £41.56 sent via PADs this week! I may hit 80 steps by the end of this month all being well, no pressure! Need £54.05 extra to make it. Great work @highlanddream I do have a loan which I am OPing as well, but that is much bigger than this one and I wasn't up to facing it at the start of this year! Maybe next year I will be brave enough to put it on this challenge!

    @BudgetingBelinda everything crossed for the MOT!
  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,146 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Went up to 79.6/100 steps today, oh so close! Not adding anything extra than usual OPs as this account is looking snug at the moment an still a few weeks until next pay day!
  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,146 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    80.2/100 steps, woohoo hit that 80 mark! Was nice that I only needed a small OP to get to the 80 mark, also added an extra £50 to the PAD pot today for this debt, so next weekend this will be a good 'step' up as well! 
  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,146 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
     85.5/100 ended up selling tickets to see Pink, which worked nicely for the debt, extra £100 to throw at it!

    Really didn't think that I would have seen such an amazing improvement in this debt by this time of the year, such a boost!
  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,146 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    91.8/100 usual standard £100 for the new month, plus some cashback, looking great to be up to 100 steps real soon!
  • BlueJ94
    BlueJ94 Posts: 3,302 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    #2 Morning all! not posted in a while sorry

    I have checked car insurance, currently pay £89 so going down to £31!

     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Debt owed;

    Abound - £0/£7,092.16

    DFW Challenges! 

    365 Day 1p Challenge 2026 #9 £104.30
    Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
    Make £2026 in 2026! £602.40/£2026

    Savings goal £162.79/£1000
  • BudgetingBelinda
    BudgetingBelinda Posts: 496 Forumite
    100 Posts First Anniversary Name Dropper
    62.5/100 🤩 getting there! 
    Emergency Fund: 1000/2000
    August Grocery Challenge: 208/550 
    S&S ISA: £420
    Save 12k in 2025: #10 1200/10000
    100 steps challenge.. to be where you want to be in 2025:
    EF 60/100 (1 step= £20)
    holiday 0/100 (1 step= £30)
    savings 4/100 (1 step= £50)

    2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,146 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Morning, another good week and am up to 94/100 
  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,146 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Decided to pay off the rest of Credit Card today, so that means we have hit 100/100!!!! Amazing!!!

    Debating adding my personal loan to this 100 steps, there is no way I can pay it off by the end of this year, set to run until Jan 2028 at the moment so will have a think!

    Thank you all on this thread for offering another way to face debts and help maintain focus, love it!
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