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Pay off all your debts by Christmas 2025!

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Comments

  • janoid19
    janoid19 Posts: 169 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    edited 10 April at 12:02PM
    Is it too late to join? I have £3800 left to pay on a credit card from £4500 after getting married in September.

    I have just done a balance transfer to a 0% CC so might go up slightly with the fee before I can start bringing it down.

    Would love it gone by Xmas 25!
  • BlueJ94
    BlueJ94 Posts: 3,049 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    janoid19 said:
    Is it too late to join? I have £3800 left to pay on a credit card from £4500 after getting married in September.

    I have just done a balance transfer to a 0% CC so might go up slightly with the fee before I can start bringing it down.

    Would love it gone by Xmas 25!
    number 38 :smiley:
     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;

    *update pending as I've no idea* 

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #
    Pay off all your debts by Christmas 2026! #14

  • SillySillyGoose
    SillySillyGoose Posts: 34 Forumite
    10 Posts Name Dropper Photogenic
    BlueJ94 said:
    SillySillyGoose said:
    BlueJ94 said:
    anyone missing a number?
    Can I have one please :)
    Sure what's your total debt? so I can update. You're number 37
    I'm aiming to pay off £4000 of my total debt by Christmas and have paid £274.98 so far, so I am at £274.98/£4000 :) thank you x
    Starting Total - £8586.09
    Current Total - £7999.85
    Paid to Date - £586.24 / 6.8%
    Overpayments to Date - £46
  • SuperSavingD
    SuperSavingD Posts: 586 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    #11 paid off £1300 balances now £3096.64/£4746.64

    £1650 left to go for this years challenge.

    Thank you
  • janoid19
    janoid19 Posts: 169 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    #38 - unfortunately mine has gone up to £4229 but this extra will be paid off at payday!
  • MissPennySave
    MissPennySave Posts: 440 Forumite
    Third Anniversary 100 Posts Name Dropper Photogenic
    Morning all, payday so I've added £1070 to my total so I am now:

    #10 £6230 / £15120

    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 Diary
  • Pinkpieuni
    Pinkpieuni Posts: 208 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    Hello everyone, #7 £2,590 paid today. Total is now £3,986/£6,500. Hope to clear the balance next month. 

    Challenges

    NSD - January  - 10

    1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,659.62

    mortgage @ Jan 2025 - £75,600

    2. Loan  - Jan 2026 £1,029.22 - Current balance £1,029.22

    3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)

  • Pinkpieuni
    Pinkpieuni Posts: 208 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    #7 additional £414 paid today, updated total is £4,400/£6,500

    Challenges

    NSD - January  - 10

    1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,659.62

    mortgage @ Jan 2025 - £75,600

    2. Loan  - Jan 2026 £1,029.22 - Current balance £1,029.22

    3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)

  • VioletNewStart
    VioletNewStart Posts: 50 Forumite
    10 Posts First Anniversary Photogenic Name Dropper
    Hello, is it too late to join this challenge for 2025? 

    My debt has gone up again and I am determined to reduce it. It’s too depressing to put the full total right now but my aim is as follows: 

    AIM - to clear 4.5k of debt by end of Dec 2025.   
  • Pinkpieuni
    Pinkpieuni Posts: 208 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    Another £800 paid today. Total is now £5,200/£6,500

    Challenges

    NSD - January  - 10

    1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,659.62

    mortgage @ Jan 2025 - £75,600

    2. Loan  - Jan 2026 £1,029.22 - Current balance £1,029.22

    3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)

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