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Pay All Your Debt Off By Christmas 2024
Comments
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Mormng everyone, even though I've hit my target for 2024 I'm sticking with it, so payday today and another £1700 paid off, so I am now:
#15 £16212.80 / £14000.00
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 -
Payday today and I've done the money shuffle, still on track to be debt free bubby Christmas 🎄
#32 6064.53/6699.53
90.5%Mortgage 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/£160004 -
#24 4293/4293 finally paid the credit card off! I'm going to relax a bit over Christmas then start over with the next lot of debt for next year.🎄3
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Hello all, im sooo sorry i've been away for so long. So much has been happening in life, ive had a terrible cold basically for all of November and just haven't had time to catch up on anything! Going forward I will attempt to update and publish end of year results, but for now im going to set up a new thread for 2025. I will post the link below
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! #141 -
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! #141 -
Hooray, it's official, I'm debt free 😃 and I made it by Christmas 🎄
#32 6699.53/6699.53Mortgage 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/£160003 -
Fantastic 🎉🎉🎉 how are you celebrating!?Rud0lf said:Hooray, it's official, I'm debt free 😃 and I made it by Christmas 🎄
#32 6699.53/6699.53Emergency 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 -
A take away with family then by starting to save for a big holiday without going in to debt, either 2026 or 2027 depending on how much it will cost but it will be worth it to stay debt free 🎉🎉BudgetingBelinda said:
Fantastic 🎉🎉🎉 how are you celebrating!?Rud0lf said:Hooray, it's official, I'm debt free 😃 and I made it by Christmas 🎄
#32 6699.53/6699.53Mortgage 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 -
Well done. And yay to saving for a big holiday. Inspirational for the rest of us too. Fantastic news!Rud0lf said:Hooray, it's official, I'm debt free 😃 and I made it by Christmas 🎄
#32 6699.53/6699.53Jan 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)1 -
Sounds fabulous! Best of luck!Rud0lf said:
A take away with family then by starting to save for a big holiday without going in to debt, either 2026 or 2027 depending on how much it will cost but it will be worth it to stay debt free 🎉🎉BudgetingBelinda said:
Fantastic 🎉🎉🎉 how are you celebrating!?Rud0lf said:Hooray, it's official, I'm debt free 😃 and I made it by Christmas 🎄
#32 6699.53/6699.53Emergency 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/p10
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