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Pay All Your Debt Off By Christmas 2024
Comments
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Mini OP of £5.40, to round the numbers!
#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 -
thanks @Keedie for updating etc, ive been so busy with work and sorting my mortgage I havent had the time!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;Salad Money £258.58/£1000, Updraft £329.02/£3000 Reevo £1187/ £2000 Natwest £1396.46/ £3000 = OWED £5828.94
CC - Zable £133.83/£1300 Barclay £192.58 / £1200 OWED £2173.59
£8002.53
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #140 -
#16 2905/6000
nearly halfway! Really cutting it fine this month though.
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/p11 -
Would I be able to join? I've had a bit of a laissez faire attitude with the credit card and have let it get up to £2,000. £700 currently going through a chargeback process which if successful will reduce by a nice chunk, but nevertheless I need to get it ALL cleared as there's no need for it to be there!
My signature says I have £2,000 in an emergency fund, I can't touch that as it's to go towards some tuition costs in September and is locked in an account until then, so we're starting from scratch!
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Good Afternoon all,
Nice and sunny here! Whilst OH is watching the boxing tonight I will try and update this thread with numbers and figuresI’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;Salad Money £258.58/£1000, Updraft £329.02/£3000 Reevo £1187/ £2000 Natwest £1396.46/ £3000 = OWED £5828.94
CC - Zable £133.83/£1300 Barclay £192.58 / £1200 OWED £2173.59
£8002.53
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #143 -
#25 £1527.07/£2162.220
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#13.. another 475 this month
Total paid off is 2400
Now down to 1 year to pay off my big loan.. grr# 36 1p challenge 2024 - £536.60
#13 POYD by Christmas 24 £2875 / 81381 -
Morning all, another payday so another £1100 paid towards my target, I am now:
#15 DFBXMAS24 £6812.80 / £14000
MPS
x I AM DEBT FREE!!!!!! (as at 24.10.25)
November 2022 - £46,626.96 / November 2025 - £0.00
Debt paid off - £46,626.96 (100%)
Completed Challenges:
#10 DFBXMAS25 £15120.00 / £15120.00 (100% paid off) COMPLETED!
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary2 -
I don't have a number yet but had a successful S75 claim on my credit card, although was a little belated by an emergency trip to the vet the next day! New total £1,608.2
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#25 £1542.41/£2162.22
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