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Pay off all your debts by Christmas 2025!
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Direct debits have gone out this month so another £300 paid off.#26 £890/£5000paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 173 -
Good morning
Another payment made this morning.
Total for number 25 now - £8846.77/£15,000.
Have a great week everyone
32b3SPC9 #125 - £816.85
SPC10 #125 - £851.81
SPC 11 #7 - £968.46
SPC 12 #7 - £2682.90
SPC 13 #7 - £4829.85
SPC 17 #7 - £7313.635 -
Good Afternoon,
#8 = £2,040.86/£5,500Debt | £224.10 / £471.90 M1 | £131.88 / £858.65 Mobile | £443.45 / £3,370.22 L1 | £383 / £6,460 CC2 | £26.25 / £0 M2 | £1,159.55 / £1,159.55 CC1 | £2,368.23 / £12,309.32 Total
Savings | £953.64 / £1,233 Other | £1,000 / £1,000 EF | £1,953.64 / £2,233 Total4 -
Got my funds from Ebay and vinted sales so I've paid £200 off one of my credit cards. So I'm now at:
#13 - £811.83/£3000
Pay all debt off by Christmas 2025 £815.45/£3,000£1 a day challenge 2025 - £180/£730 Declutter a bag a week in 2025 11/52Lose 25lb - 10/25lbs Read 1 book per week - 5/52Pay off credit card debt 18%/100%2 -
Apologies been away and my phone decided to smash into pieces will update asapI’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;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #145 -
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I've managed to clear the balance on one of my credit cards. It's not much of a payment from my last post as I had a monthly payment come out that I had forgotten was on that card. I've paid that and the last couple of punds off in full, and now one card is completly cleared! I'm so happy.
Now to focus on the big card which is my next target.
I'm now standing at#13 - £815.45/£3000
I'm hoping to sell off a bit more of my things, however I'm a bit concerned about the new tax law that affects personal sellers who sell on the likes of Ebay and Vinted, or via paypal G&S on facebook groups. I don't want to be contacted by the taxman for items that I'm simply selling to pay off a credit card debt and decluttering in the process
Pay all debt off by Christmas 2025 £815.45/£3,000£1 a day challenge 2025 - £180/£730 Declutter a bag a week in 2025 11/52Lose 25lb - 10/25lbs Read 1 book per week - 5/52Pay off credit card debt 18%/100%7 -
#33 Thriftymissus
Paid off £225 overnight, out of £7881 I have now paid off just over half, with £3935 remaining. There was £110 remaining on one account and that’s now closed. Regular direct debits are set up for the rest.@ir@IrishRose12 there’s no tax on personal sellers selling things that are used items from home, it applies if you’re selling things you’ve bought to sell xx7 -
Not even a half way through but getting there! £800 sent this morning towards CC and I've now paid off HMRC. I'm PAYE but my employer messed up the calculations for 23/24, oh well!
#nonumber
£2600/£8000 (33%)
Mortgage: £173,700 Sep 22 £158,300 Dec 25
MF Date: Sep 52 Mar 52
CC Debt: £15,250 Nov 25 £12,000 Dec 25
2026 Challenges:
MFiT-T7 #5
DFbyXMAS #7
5
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