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Pay off all your debts by Christmas 2025!
Comments
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Ho everyone. Unfortuantely I won't be debt free by the end of 2025 due to a very sudden cancer diagnosisz which lead to a quick death of a loved one this past month. We are all reeling from the events of the last few months, and a lot of unexpected travel, accomodation and other necessities quickly added up on the credit card. But needs must.
I'll sit down in a few days and reassess my finances and bring myself to look at the credit card debt to see what the damage is.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 -
Sorry to hear that! Please take care xIrishRose12 said:Ho everyone. Unfortuantely I won't be debt free by the end of 2025 due to a very sudden cancer diagnosisz which lead to a quick death of a loved one this past month. We are all reeling from the events of the last few months, and a lot of unexpected travel, accomodation and other necessities quickly added up on the credit card. But needs must.
I'll sit down in a few days and reassess my finances and bring myself to look at the credit card debt to see what the damage is.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 -
Morning all just waiting for my laptop to update and ill update as I have spare time today!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! #140 -
yes sorry im just catching up, you're number 40FinancialJedi said:Please is it ok still to join?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! #140 -
sure you're number 41! sorry for the delayhummingbird15 said:Hoping its not too late to join! It's been a while since I was on the forums and me and my husband have set ourselves some big targets!
The first is to clear credit card #1 by Christmas. As of the weekend it was at £5,325.97, the regular payment went out yesterday and I took some old blu-rays/games to CEX this morning to get £31.40 which I rounded up to £35 and put straight on the card.
New total for 8/7 is £5,020.97.
EDIT: Notification from paypal that I had funds I forgot about! £15 and straight off the card. New total £5,005.97 / £5,325.97
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 -
This should be up to date now.. please let me know if I've missed anythingI’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 -
Morning, payday again and another £1900 added to my total so I am now:
#10 £14020.00 / £15120.00
MPS xI 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 Diary4 -
#24 - £6596.70/£7113.80 paid off my loan this month so everything else is now interest free. With just over £500 to go I'll be debt free next month!
4 -
hiBlueJ94 said:This should be up to date now.. please let me know if I've missed anything
I am now completely debt free following my redundancy and retirement, I don't think it is reflected on the front page so just updating agin.
Many thanks
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 - £7313.634 -
#24 - £7113.80/£7113.80 I am now officially debt free for the first time in years! It's been a tough year but this is a massive weight lifted!
6
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