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Pay off all your debts by Christmas 2025!

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Comments

  • BlueJ94
    BlueJ94 Posts: 3,301 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    all updated! please let me know if ive missed anyone :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;

    Abound - £0/£7,092.16

    DFW Challenges! 

    365 Day 1p Challenge 2026 #9 £104.30
    Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
    Make £2026 in 2026! £602.40/£2026

    Savings goal £162.79/£1000
  • Less_Talk_and_More_Action
    Less_Talk_and_More_Action Posts: 260 Forumite
    Seventh Anniversary 100 Posts Name Dropper Combo Breaker
    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 1100/20000


  • BlueJ94
    BlueJ94 Posts: 3,301 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Less_Talk_and_More_Action said:
    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 1100/20000


    Will update now :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;

    Abound - £0/£7,092.16

    DFW Challenges! 

    365 Day 1p Challenge 2026 #9 £104.30
    Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
    Make £2026 in 2026! £602.40/£2026

    Savings goal £162.79/£1000
  • BlueJ94
    BlueJ94 Posts: 3,301 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    update £609.74/£2971
     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;

    Abound - £0/£7,092.16

    DFW Challenges! 

    365 Day 1p Challenge 2026 #9 £104.30
    Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
    Make £2026 in 2026! £602.40/£2026

    Savings goal £162.79/£1000
  • Rdpncp
    Rdpncp Posts: 49 Forumite
    Seventh Anniversary 10 Posts Name Dropper Photogenic
    edited 11 January 2025 at 10:41PM
    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 £644/14,600
    LBM 02/01/2021 (£52,000) + (£27,000 2023 home repairs)
    Now 27/03/2026 (£12,553)
    85% of debt cleared

    HSBC Mortgage = £41,902 (4.69% 102 repayments to go)
    Admiral loan = £12,553 (2.7% APR) £321/mth (39 repayments to go)
    All other debts cleared

    Emergency Fund = £2000/2000

    New front door fund = £1000/1000
    New bathroom fund = £0/£2500
    New windows fund = £0/7000
    Living room refurb fund £150/800
    Front garden refurb fund = £100/600
    Total refurb funds = £1250/11,900

  • Honeysucklelou2
    Honeysucklelou2 Posts: 4,933 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Paid £100 off a debt this week bringing the new total to:-

    #26 £350/£5000
    paydbx2026 #19 £1499/£6000 . Mortgage start £148k June 23 - now £133k.
    2026 savings challenge £0/£2000     EF £140. Savings 2 £2.17
  • Charlie_21
    Charlie_21 Posts: 127 Forumite
    Ninth Anniversary 100 Posts Name Dropper Photogenic
    #8 here... £369.95/£5500
    Debt | £177.38 / £2,217.25 L1 | £2,149.03 / £2,149.03 CC1 | £0 / £6,004.07 CC2 | £791.64 / £21,368.80 M | £3,118.05 / £31,739.15 Total

    Savings | £0 / £1,000 EF | £1,892.41 / £2,375 Other | £1,892.41 / £2,375 Total
  • SerenitySeven
    SerenitySeven Posts: 43 Forumite
    10 Posts Photogenic Name Dropper
    Been chipping away using PAD very slowly until payday in 10 days, but my update is 

    #14 - £166.86/£18490.03
    PAD target  #1 - ASDA CC - £2057.30  £1926.98 - 
  • meachybee
    meachybee Posts: 45 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    #24 - £287.48/£7113.80 relatively small amounts off the debt this month while I reset from Christmas.
  • Prebb
    Prebb Posts: 2 Newbie
    First Post First Anniversary
    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 £915.43/6303.54
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