Pay ALL Your Debt Off By Xmas 2026!

BlueJ94

Welcome to Pay ALL Your Debt Off By Xmas 2026

Firstly I would like to welcome all new and existing members from last years thread (New numbers will be allocated for 2026). Thank you for last year! 

Anyone is welcome to join this challenge and it is NEVER too late. There is also no amount of money too small or too large that will stop you from joining this challenge. We have several members who will be on their debt journey for several years to come, but they are part of this thread to pay off a fixed amount of their debt as the support on here is fantastic! 

So, if you think you can pay off all your debts by the end of the year or have a goal to pay off a certain amount then please join in! You do not need to pay off that target, but having a target to aim for is a good thing! Whatever you manage to pay is a plus!

This challenge runs until 25th December 2026 - PLEASE DECLARE YOUR FINAL TOTALS BY THIS DATE

To help me run this thread easily, could you please all post your challenge number - Payments/Targets for example

#6 - £1000/£5000 

Posting any other way may result in your amounts not being updated or updated incorrectly. 

I will aim to update at least weekly. GOOD LUCK TO ALL!

1 - cottagegarden - £10,000
2 - SuperSavingD - £85/£2200
3 - ThriftyPrincess40 £633.58/£15,250

4 - cuddlymarm - £2324.67
5 - dreamingofmoney - £23000
6 - _Dolly_Rocker_ £416/ £5,000
7 - RedLipstick - £12500
8 - c.w.2015 - £14.62/£2000
9 - Highlanddream - £8975
10 - AuctionFever - unknown
11 - Changeyourlife25 - £410.65/£4,226.52
12 - leannej85 - £244.94/£5,336.77
13 - DesertRose £6135
14 - BlueJ94 - £8000
15 - blackberrycurved - £273/£10,000
16 - FrugalAspirations
17 - debtfreein26
18 - IrishRose12
19 - Honeysucklelou2
20 - @hollydays
21 - Bangbangdebt
22 - MissMoneyMishap
23 - crazybeautiful
24 - NeverendingDMP - £637
25 - makingmehappy £23,253

BlueJ94

Morning all! Here's the new thread for next year! Hope to see some of you around. 

https://forums.moneysavingexpert.com/discussion/6644624/pay-all-your-debt-off-by-xmas-2026/p1?new=1

cottagegarden

I'm in. I have just under 10k debt and I want it gone ASAP. I'll be frugal, work extra hours...whatever I need to do! I'll post exact figures on the 1st.

SuperSavingD

Can I join please?  I Need some motivation.  I’m am aiming for £2100 on my credit card as the balance has increased in the run up to Xmas.  Happy for any number.  Thank you

ThriftyPrincess40

Can I join in? I’ve over 40000 debt and increasing due to economical abuse . I’d like to get 10000 down at least 

cuddlymarm

Hi 

Can I join please ?

I’ve got £2324.67 on a 0% credit card and want it gone. 

Good luck to everyone. 

ThriftyPrincess40

Paid £3.81 on highest interest credit card today 💪🏻

BlueJ94

Welcome along all! Will update figures and assign numbers Monday, hoping ill feel better by then!

dreamingofmoney

Hi All
I have approx £23000 in debt that I would like to try and clear in 2026 before I tackle my mortgage. I think i joined last year but just got totally side tracked but want it out of the way so will be doing all I can to start this. If I could be given a number that out be amazing ta
Dreaming of Money

ThriftyPrincess40

BlueJ94 said:

Welcome along all! Will update figures and assign numbers Monday, hoping I’ll feel better by then!

Hope you feel better soon xx this time of year is full of bugs, bless you xx

ThriftyPrincess40

Just paid £30 off my high interest credit card 💪🏻