We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
Pay off all your debts by Christmas 2025!


Firstly I would like to welcome all new and existing members from last years thread (New numbers will be allocated for 2025). Thank you for last year!
Anyone is welcome to join this challenge and it is NEVER too late. There is also no amount of money too small or too large that will stop you from joining this challenge. We have several members who will be on their debt journey for several years to come, but they are part of this thread to pay off a fixed amount of their debt as the support on here is fantastic!
So, if you think you can pay off all your debts by the end of the year or have a goal to pay off a certain amount then please join in! You do not need to pay off that target, but having a target to aim for is a good thing! Whatever you manage to pay is a plus!
This challenge runs until 25th December 2025 - PLEASE DECLARE YOUR FINAL TOTALS BY THIS DATE
To help me run this thread easily, could you please all post your challenge number - Payments/Targets for example
#6 - £1000/£5000
Posting any other way may result in your amounts not being updated or updated incorrectly.
I will aim to update at least weekly. GOOD LUCK TO ALL!
Monthly Totals
January - £26,986.04February - £42,220.48
March - £52,430.63
April -
May -
June -
July -
August -
September -
October -
November -
December -
Members who are joining the challenge;
1 - @Combenew = £3587/£4494.95
2 - @NeverendingDMP = £47/£4700
3 - @Nintud - 0/£25000
4 - @lilian1977 £772.91/£6,087.25
5 - @BrotherUuurgh £3,114.84/£12934.78
6 - @hhcaffers £1800/£9000
7 - @Pinkpieuni £1396/£6500
8 - @Charlie_21 £2449.33/ £5,500
9 - @overhauler £191.71/£2254
10- @MissPennySave £5160/15120
11- @SuperSavingD£1796.64/£4746.64
12 - @peacocking £8875/16000
13 - @IrishRose12 £8875/16000
14 - @SerenitySeven £751.82/£18490.03
15 - @cydney65 0/£6949
16 - @CoffeeSonata £0/3000
17 - @felicityBD15 £0/£15000
18 - @Rdpncp £2895/14600
19 - @BlueJ94£1,336.23 /£2971
20 - @Bluefeathers32 £93/£3500
21 - @chasingthedream2025 £200/£4640.40
22 - @Less_Talk_and_More_Action £2713/£20000
23 - @chasingthedream2025 £0/£4640.40
24 - @meachybee £1542.92/7113.80
25 - @32b3in2013 £8948.77/£10,000
26 - @Honeysucklelou2 £890/5000
27 - @Pauper1 £351.76/£5853.34
28 - @dreamingofmoney £0/£10000
29 - @prebb£915.43/6303.54
30 - @st182 £2800/7400
31 - @RandomOne £0/£9540
32 - @Golden_Goose_The £3793.42/£19800
33 - @Thriftymissus£3935/7881
34 - @RedLipstick - £5100/£8,000
35 - @_Dolly_Rocker_ - £2,711.68/£7,450.68
36 - @dinodiva - £1500/£6904
37 - @sillysillygoose£274.98/£4000
38 - @janoid19 - ££3800
Debt owed;
Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=1
Comments
-
Please can I join? 2025 will be my debt free year!
0/£4494.952 -
Combenew said:Please can I join? 2025 will be my debt free year!
0/£4494.95I’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 - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Hello everyone. My total debt in my name is 4755. This year I'm gonna brave it and put the whole total as my target. Please can you put me down for 4700 and a 1% of £47. (Off to pay a bit off so it can be easier maths). I don't think I'll hit zero by next Christmas but it's worth a try. Household debt is higher but DH spending more than he pays off so I'm focusing on mine for now.Jan 18 Joint debts 35,213 - March 25 13.9 k
Mortgage Jan 18- 77224 March 25- just over 65.5k
Debts in my name only £52132 -
I’m up for the challenge. I won’t be able to pay off all my debt so a challenge target of £25000 for me please. This will include payments to (but not interest) to secured and unsecured debt.MBNA 237.47/13997.47
Santander 300/10550
Nationwide 60/460
Very 943/943 paid off 01/02/25
Santander OD 0/2900
Nationwide OD 100/200
Mortgage 18430/125194
EF 300/1000
Declutterred via Vinted 53/2025
NSD Feb 2/7
SPC2025 #11
52 wk envelope challenge #6 28/virtual
Debt repaid 2025 2437.60/38650.60
MFW 2025 1036/107800
Make £2025 in 2025 458/2025
Friday Fiver 35/260 virtual pot.
- - - -
What matters is how we live and love and how we spend our dash. (L Ellis)3 -
Please can I join? I need to clear £6,113.26 and fully intend to do this by the end of next year.
Edit: just worked out that it's £16.75 per day, roughly £500 a month, which sounds scary! Especially as I really don't have anything left to sell! I will get there though.My debt free diary | Post Office loan: £2131 1429.38 | Barclaycard: £4429 1988.12 | Paypal Credit £322.71 574.91 | Monzo Flex £169.03 |
Total £4151.44 | £2900.30 of £7051.74 paid off since diary started October 2024.2 -
I'd love to join this one. I have £12,883.76 remaining to clear (started a couple months ago at £14,161.59). I think it's doable and even more so with a bit more motivation
Thank you!Debt @ LBM 01/11/24 - £14,161.59Debt current - £10,845.80
"When it's good, it's fun. When it's bad, it's funny". Trying to take things one step at a time.3 -
This sounds like a great challenge, count me in please:
0 / 9000
many thanks2 -
Can I join please? I intend to clear £6,500.
Challenges
Pay off all your debts by Christmas 2025 #7 £1,446/£6,500 (CC - 0% to June 2026)
52 Week Envelope Saving Challenge #12 £318/£1,378 -(12/52)
The Save £12k in 2025 challenge #4 £7,435/£30,500
2025 Mortgage-Free Wannabes #61 £7,424/£38,000
Mortgage 5.52% Jan 2025 £75,600- current bal £66,852.15 Target 16 months to MF (Jun 26).
Loan 2.2% Jan 2025 £4,095 - Current balance £3,066.16
2 -
I'd like to join please. £0/£5,500 and will include my monthly payments.Debt | £179.28 / £471.90 M1 | £98.91 / £858.65 Mobile | £354.76 / £3,370.22 L1 | £238 / £6,460 CC2 | £26.25 / £0 M2 | £1,159.55 / £1,159.55 CC1 | £2,056.75 / £12,309.32 Total
Savings | £350 / £1,233 Other | £1,000 / £1,000 EF | £1,350 / £2,233 Total2 -
Welcome along all! Will update targets and numbers later this evening for you all!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 - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 349.7K Banking & Borrowing
- 252.6K Reduce Debt & Boost Income
- 452.9K Spending & Discounts
- 242.7K Work, Benefits & Business
- 619.4K Mortgages, Homes & Bills
- 176.3K Life & Family
- 255.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 15.1K Coronavirus Support Boards