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Pay All Your Debt Off By Christmas 2024

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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: 2,854 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    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 22/50
  • Thank you, Keedie. 
    It’s payday , I paid £200 back to my CC. 
    £200/£3375


    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







  • blubella
    blubella Posts: 581 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    edited 29 March 2024 at 11:04PM
    #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 Esar
  • 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
  • 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







  • blubella
    blubella Posts: 581 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker
    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 - £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 Esar
  • blubella
    blubella Posts: 581 Forumite
    Tenth Anniversary 500 Posts Name Dropper Combo Breaker

    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 Esar
  • meachybee
    meachybee Posts: 42 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    #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.
  • #16 2255/6000 
    Coming down into the £3k level of debt now! Debt free is in touching distance 🤞🏼💪🏼🎉
    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
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