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Pay All Your Debt Off By Christmas 2024
Comments
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#38 month 3 update following payday today:
#38 - £3288.66/ £19,175.32 (16.6% paid)
Monthly Totals
August - Starting total £19,175.32 / £1,516.67 paid off this month
September - £917.82 paid off this month
October - £854.17 paid off this month (a few birthdays this month and needed to buy 2 new radiators!)
November -
December -
Santander Personal Loan- £7873.66/ £13,000
M&S Personal Loan - £1113/ £3069
Natwest CC - £5500
Barclaycard CC- £1394.43
£15986.66 to go!
I was hoping I could get this down to £10,000 by Xmas but I was being overzealous and unrealistic. My target for the new year is to be down to £13,500.1 -
Happy Friday everyone!! Payday today so £1650 paid towards my balances......
#15 £14512.80 / £14000.00
Whohoooooo!!!! I've hit my target!!
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 Diary5 -
@MissPennySave amazing! Well done! 🎉🎉 how are you going to celebrate?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 -
Hi - hope everyone is doing ok. And well done @MissPennySave !
#27
I had another good month:
Total at year start: 50,110Aim to clear (revised): 3,500
Cleared in October: 770
Cleared this year to date: 1,741
Current debt balance: 48,3692 -
#16 5558/6000
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 -
#32 5259.53/6699.53
Up to 78.5% and still on track to pay it all off by Christmas.
Great news@daywonMortgage free 2021Debt free 2024
Starting to save for early retirement whilst balancing having fun whilst we can!
4275/8000 savings
2000/4000 holiday
2849/4000 Lisa
Save £12k in 2025 #51 £9134/£160002 -
I paid off my 1900 and then my 450 debt and now I'm moving into a c card with 1113 on it. I'll pay to round it down and have a 1% of 11 pounds I think. I need to put some serious cash aside for Xmas so target day is next July maybe?Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Jan 26- just under 64k
June 25 Debts in my name were £5170. Now 5398 (Jan 26)3 -
#24 4043/4293 £250 paid off this month with £250 still to go. Can't wait for this to be paid off!2
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#38 month 4 update following payday today:
#38 - £4159.08/ £19,175.32 (21.6% paid)
Monthly Totals
August - Starting total £19,175.32 / £1,516.67 paid off this month
September - £917.82 paid off this month
October - £854.17 paid off this month (a few birthdays this month and needed to buy 2 new radiators!)
November - £362.74 paid off the overall total this month but both credit card balances are up from last month.
December -
Santander Personal Loan- £7567.92/ £13,000
M&S Personal Loan - £833/ £3069
Natwest CC - £5650
Barclaycard CC- £1473.00
£15523.92 to go.
I have managed to secure some freelance work so I am hoping that will help to generate some additional money I can throw at this!1 -
#16 6000/6000
Completed it 🎉
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/p13
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