Pay All Your Debt Off By Christmas 2024

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  • Nervous1234
    Nervous1234 Posts: 77 Forumite
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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)


  • Keedie
    Keedie Posts: 2,292 Forumite
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    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
    Debt Tracking Restart Take 3 from 01/05/2023 = £23,643.30 (8 creditors) So, on 30/04/2024 = £15,793.30/£23,643.30 (1 creditor) = 66.80% repaid Aiming to be Debt Free = 31/12/2025

    CREDITORS: Barclaycard (£6,316.23/£14,166.23) 44.59% repaid

    (Original Debt on 15/07/2016 was £33,056.76) 🙈

    2024 SAVINGS: Emergency Fund (£301/£1,000) 33.10% saved || #5 50 Envelope Challenge 6/50
    2024 CHALLENGES: #30 Debt Free by Xmas 2024 (£2,330/£6,750) 34.52% repaid
  • Tianfeng2022
    Tianfeng2022 Posts: 29 Forumite
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    Thank you, Keedie. 
    It’s payday , I paid £200 back to my CC. 
    £200/£3375


    2024 Goals:Challenging :

    Pay all your debt off by Christmas 2024 
    • NatWest cc by 10/2024:         £1150/£3,800
    • HSBC    cc  by 07/2025:         £179/£3,626.80
    • Private loan by 02/2026:                   /£5,000
    NSD April 2024 : 6/10
    NSD May 2024 : /10

    Make £2024 in 2024:  £360/£2024

    Old Style Weight Loss Challenge - 2nd Qtr 2024: 11lb
      


  • blubella
    blubella Posts: 573 Forumite
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    edited 29 March at 11:04PM
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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 - £1,936.00/£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 Esar
  • Aimingforthegoodlife
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    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/£2162.22
  • Tianfeng2022
    Tianfeng2022 Posts: 29 Forumite
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    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 

    2024 Goals:Challenging :

    Pay all your debt off by Christmas 2024 
    • NatWest cc by 10/2024:         £1150/£3,800
    • HSBC    cc  by 07/2025:         £179/£3,626.80
    • Private loan by 02/2026:                   /£5,000
    NSD April 2024 : 6/10
    NSD May 2024 : /10

    Make £2024 in 2024:  £360/£2024

    Old Style Weight Loss Challenge - 2nd Qtr 2024: 11lb
      


  • blubella
    blubella Posts: 573 Forumite
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    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 

    If you click on the little head in the top right corner and click on' account and privacy settings', you then need to select 'signature settings'. You can enter your text and then save. Took me ages to figure it out too, even after someone explained it to me! x
    #4 DFBXMAS24 - £1,936.00/£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 Esar
  • blubella
    blubella Posts: 573 Forumite
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    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 - £1,936.00/£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 Esar
  • meachybee
    meachybee Posts: 26 Forumite
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    #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.
  • BudgetingBelinda
    BudgetingBelinda Posts: 191 Forumite
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    #16 2255/6000 
    Coming down into the £3k level of debt now! Debt free is in touching distance 🤞🏼💪🏼🎉
    2020: £20k debt.
    2024 current update: remaining debt is £3234
    DMP - £455 per month|100 Steps to be Debt Free by Xmas 2024 - 47.5/100|2024 Decluttering Campaign- daily|Emergency fund £100|overpay pot £0
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