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Pay All Your Debt Off By Christmas 2024
Comments
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#26 checking in. Unfortunately had to increase my debt to have money ready to give back to my dad which I spent on gambling in 2021 😭 which he didn’t know about. New loan is £23,059 over 5 years - £554.11 a month over 5 years with the aim to pay it all back within 2.5 years.
£1208.22/£23,059
£40 & £60 paid off last week and pay day today means the direct debit of £554.11 has been paid and I’ve paid an additional £554.11.
Good luck everyone 😊Aim to pay off £13,000 by December 2024
£1,208.22/£23,059 #26 Pay All Your Debt Off By Christmas 2024
2024 £1 a day savings challenge - £98.43 2024 52 week challenge - £120.37
22/20 February No Spend Days 20 Target 20/23 March No Spend Days 23 Target 7/22 April No Spend Days 22 Target (excludes direct debits, standing orders, debt and savings payments)3 -
Welcome aboard @Tianfeng2022, and that sounds like a good goal.
Not sure what number you may be as @BlueJ94 managed that initially but I'll have a review of the posts so far and allocate one to you. Just gimme a day or two to check up and update, and I'll do a full list.
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/502 -
Thank you, Keedie.It’s payday , I paid £200 back to my CC.£200/£33752025 Goals:Challenging :
- NatWest cc by 10/2024: £3,800/£3,800
- HSBC cc by 07/2025: £2,003.84/£3,626.80
- Virgin cc by 09/25: /£2,000
- Private loan by 02/2026: /£5,000
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#4 checking in, just been paid so made a payment of £300 to one of the CC's taking me to £1,326/£5,000#4 DFBXMAS24 - £2,322.85/£5,000
NSD Challenge - Jan 15/12, Feb 3/12, Mar 10/10 Apr 10/12, May 5/12.
SPC #44
Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar2 -
It is lovely to see peoples engagement on here! Really inspiring! @Nervous1234 well done for facing the increase and taking it in your stride. Great work on already knocking money off that amount!
#25 £1102.01/£2162.220 -
Hi , can I ask some silly questions here?
How to add some messages under your text like signature or footage?
how to @ to someone when I leave a comment?
I did search on here, but couldn't find the answer.
Thanks in advance
2025 Goals:Challenging :- NatWest cc by 10/2024: £3,800/£3,800
- HSBC cc by 07/2025: £2,003.84/£3,626.80
- Virgin cc by 09/25: /£2,000
- Private loan by 02/2026: /£5,000
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Tianfeng2022 said:Hi , can I ask some silly questions here?
How to add some messages under your text like signature or footage?
how to @ to someone when I leave a comment?
I did search on here, but couldn't find the answer.
Thanks in advance#4 DFBXMAS24 - £2,322.85/£5,000
NSD Challenge - Jan 15/12, Feb 3/12, Mar 10/10 Apr 10/12, May 5/12.
SPC #44
Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar1 -
Wowwee, everyone is doing so well! Just paid the min on my S'andr card + £25 OP. That's me done until next pay day, unless I strike gold on my Bay sales. Here's hoping..
Total #4 £1364.18/£5,000.#4 DFBXMAS24 - £2,322.85/£5,000
NSD Challenge - Jan 15/12, Feb 3/12, Mar 10/10 Apr 10/12, May 5/12.
SPC #44
Success is the good fortune that comes from aspiration, desperation, perspiration & inspiration ~ Evan Esar3 -
#24 1100/4293 Got my promotion but decided to pay just a bit above minimum on the credit card this month so I could pay down our energy supplier and move to a better deal. It'll save us more than the exit fee and the credit card has two 0% rates on it right now. Should still be able to pay off the first rate before it ends in August.
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#16 2255/6000
Coming down into the £3k level of debt now! Debt free is in touching distance 🤞🏼💪🏼🎉Emergency Fund: 1000/2000August 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
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p12
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