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Pay off all your debts by Christmas 2025!
Comments
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all updated! please let me know if ive missed anyone
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;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
Hi @BlueJ94. You’ve missed me (assuming I’m looking at the list at the beginning - I’ve not done this before). Thanks for all your work keeping this up.L x#22 1100/200002
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Will update nowHi @BlueJ94. You’ve missed me (assuming I’m looking at the list at the beginning - I’ve not done this before). Thanks for all your work keeping this up.L x#22 1100/20000 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;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
update £609.74/£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;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
Hi,
#18 checking in, mortgage and one loan min payments have come out with another loan payment due out later this month.
I can't see myself paying any more above the minimum as family holiday is mid-Feb and I'd like yo keep hold of the spare cash until after holiday and any left over will go as an overpayment.
#18 £644/14,600LBM 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)
Emergency Fund = £1500/20002 -
Paid £100 off a debt this week bringing the new total to:-
#26 £350/£5000paydbx2026 #19 £422/£6000 . Mortgage start £148k June 23 - now £135k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.172 -
#8 here... £369.95/£5500Debt | £224.10 / £471.90 M1 | £131.88 / £858.65 Mobile | £443.45 / £3,370.22 L1 | £383 / £6,460 CC2 | £26.25 / £0 M2 | £1,159.55 / £1,159.55 CC1 | £2,368.23 / £12,309.32 Total
Savings | £953.64 / £1,233 Other | £1,000 / £1,000 EF | £1,953.64 / £2,233 Total2 -
Been chipping away using PAD very slowly until payday in 10 days, but my update is
#14 - £166.86/£18490.03PAD target #1 - ASDA CC - £2057.30 £1926.98 -2 -
#24 - £287.48/£7113.80 relatively small amounts off the debt this month while I reset from Christmas.2
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Managed to pay off alot this month due to overtime Christmas pay and leftover Christmas money and normal minimum payments. 2 of 5 loans have now been paid!
#29 £915.43/6303.542
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