We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Pay off all your debts by Christmas 2025!
Comments
-
Afternoon all!
Sorry I will deffo update the post later with targets etc, im working until 6pm and still have the horrible flu going around!
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! #141 -
1 - @Combenew = 0/£4494.95
2 - @NeverendingDMP = £47/£4700
3 - @Nintud - 0/£25000
4 - @lilian1977 0/££6,113.26
5 - @BrotherUuurgh 0/£12,883.76
6 - @hhcaffers 0/£9000
7 - @Pinkpieuni 0/£6500
8 - @Charlie_21 0/£5500
9 - @overhauler 0/£2254
10- @MissPennySave 0/£15090
11- @SuperSavingD 0/£3467
12 - @peacocking 0/£16000
13 - @IrishRose12
14 - @SerenitySeven @SerenitySeven
NUMBERS HAVE BEEN ALLOCATED :SMILE: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! #144 -
Hi, can I join?
Aiming to clear £6,949
thank you
CydPay off all your debts by Christmas 2025 no. 15 £0/69492 -
Thank you @BlueJ94 😊. Payday in a few days - looking forward to making some big dents!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.2 -
Added for youcydney65 said:Hi, can I join?
Aiming to clear £6,949
thank you
CydI’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! #142 -
Thank you for my number
PAD target #1 - ASDA CC - £2057.30 £1926.98 -1 -
I would like to join again. I lost track last year as we had an absolute disaster of a year life - wise/ But did decrease debt overall.
I have around 10k in debt. Which somewhat horrifies me.I am low- earning / self employed at the moment.
Realistically, a stretch target of £3000 to pay off by Christmas 2025.
We will see! Aiming high here. Anywhere near I’d be pleased with.Monthly Challenges| March Grocery Challenge - £255/£330 | Make £10 a Day - £112/£310
2024 Challenges Pay-Off Debt for Christmas - £874/£6000
Savings Goals Emergency Fund - £75/£2000 | Month Ahead Bills | Month Ahead Minimum Debt Repayments
Month Ahead Grocery - £0/£30 [Month Ahead True Expenses £0/?]
My Debt Free Diary:
https://forums.moneysavingexpert.com/discussion/6490048/a-cup-of-coffee-and-two-paracetamol-debt-disability-and-getting-organised-like-the-chickens3 -
I'd like to join this challenge to keep me accountable. I've made a plan which means I'm looking to pay off £15,000 of my debt this year. To achieve that it's going to be a tight year with little wiggle room, but that's the minimum I really need to achieve this year. And, I've at least got a plan to make it just about doable without being too miserable in the process!
Challenges:
January NSD: 4/10 days
Pay Your Debts in 2025: 0/£15,0002 -
Hello, I would like to join please.
I aim to clear 20% of all debt in 2025 (inc mortgage) which my goal will be £14,600
Minimum payments each month will actually total £11,460, so Im actually trying to achieve an extra £260 a month.LBM 02/01/2021 (£52,000) + (£27,000 2023 home repairs)
Now 05/12/2025 (£14,724)
81.5% of debt cleared
HSBC Mortgage = £43,630 (4.69% 105 repayments to go)
HSBC loan = £1,208 (5.3% APR) £302/mth (4 repayments to go)
Admiral loan = £13,516 (2.7% APR) £321/mth (42 repayments to go)
Regular Saver = £1500/2000
Emergency Fund = £200/20002 -
updated for those who dont have numbers!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! #142
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards