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.
📨 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!
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. 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* 
 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
- 
            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* 
 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=14
- 
            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* 
 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=12
- 
            Thank you for my number PAD target #1 - ASDA CC - £2057.30 £1926.98 -1 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 06/10/2025 (£15,970)
 79% of debt cleared
 HSBC Mortgage = £44,754 (4.69% 107 repayments to go)
 HSBC loan = £1,812 (5.3% APR) £302/mth (6 repayments to go)
 Admiral loan = £14,158 (2.7% APR) £321/mth (44 repayments to go)
 Regular Saver = £1200/1200
 Emergency Fund = £400/25002
- 
            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* 
 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=12
Confirm your email address to Create Threads and Reply
 
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards

 
         
 
          
          
          
         
 
         
