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
-
Can I join this challenge please, I would like to clear £3500 by Christmas 20252
-
@BlueJ94 please can you change my starting total (#4) to £6,087.25? Thank you 😊lilian1977 said:Please can I join? I need to clear £6,113.26 and fully intend to do this by the end of next year.
Edit: just worked out that it's £16.75 per day, roughly £500 a month, which sounds scary! Especially as I really don't have anything left to sell! I will get there though.2 -
no problem will sort nowlilian1977 said:
@BlueJ94 please can you change my starting total (#4) to £6,087.25? Thank you 😊lilian1977 said:Please can I join? I need to clear £6,113.26 and fully intend to do this by the end of next year.
Edit: just worked out that it's £16.75 per day, roughly £500 a month, which sounds scary! Especially as I really don't have anything left to sell! I will get there though.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 -
added for youBluefeathers32 said:Can I join this challenge please, I would like to clear £3500 by Christmas 2025I’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 -
Hi @BlueJ94.Thanks for running this. I have followed previous years but not joined.We have added significantly to debt this past year - unexpected car replacement and a new roof!!!
please could you put me down for
0/20000.
Fixed repayments will be about 12000 of this (I think - need to work it out correctly) but aiming for another 8000 on top. This will be a big stretch. I am breaking it down to 100 steps (saw this on another post) with each step being 200.00 of the totalThis is not all of the debt but is a good part of it but it needs to be got rid of as it is on top of a mortgage that is still quite big.I hope it goes well for everyone.Best wishesL x2 -
Hi everyone,
This is my first time doing this but I want to start clearing my debt. Would it be possible for me to be put down for £4640.40? My total is more like £35000 all on credit cards but if I could clear this credit card by Christmas 2025 I would be over the moon
look forward to being part of this journey xx3 -
update from me -
£2961.92/ £2971I’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 -
Could I sign up for 2025 please? Looking to clear the remainder of my debt which is currently sat at £7113.8 across all my cards, loans, buy now pay later accounts etc.2
-
Hello
Please can I rejoin (after 10+ years away from the challenge)
I am bring made redundant in May - it is a voluntary scheme and I absolutely can't wait to go, so I will be paying off any remaining debt from my redundancy payment, but I would like to pay £10k before the end of May.
I hope that is OK?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 - £7313.631 -
Can you add me please to the 2025 challenge. I got a fair way through but still have a little way to go. I need to clear £5000 by next Christmas.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 172
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