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Pay ALL Your Debt Off By Xmas 2026!

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Comments

  • SuperSavingD
    SuperSavingD Posts: 614 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    #5 Another £10 off the cc.

    Now 20/2200
  • debtfreein26
    debtfreein26 Posts: 16 Forumite
    10 Posts Photogenic
    Just done an account switch, so hopefully that money will count towards things. Do you count the money when you receive it or when you actually get it? I also used quidco to renew my insurances this year, so hopefully I'll have a bit of cashback in the next six months :lol:
    Pay off by xmas 2026 - £7/£7959.74
    2026 PAD - £7
    Make £2026 - £3.50

    CC1 - £7/£5617.72
    CC2 - £2432.02
  • Highlanddream
    Highlanddream Posts: 274 Forumite
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    I add it as I pay it off the debts. 
    Sept 24 : £32000    Aug catch up - £11436   Dec 25 - £8975
    May 25 :  £14000            Sept 25 - £10635   Jan 26 - 
    June 25 : £13000   Sep catch up - £10356                                                                                            
    July 25 :  £12000               Oct 25 -  £9569
    Aug 25 :  £11880               Nov 25 - £9275
  • BlueJ94
    BlueJ94 Posts: 3,131 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    edited 4 January at 9:32PM
    £100 that's brilliant!!  Yes prolific deffo my favorite, I'll only use a handful of survey sites these days.  Y.live, prolific, yougov, and just joined pinecone as people seem to say it is good, need to find a couple more that are bearable without the screenouts and shennanigans!
    I think this needs to be my thing for 2026! How do I get started on these survey sites? Do you just join up online? Any tips? 
    Also just quick screenshot of what survey apps I use 




     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/£1000
  • BlueJ94
    BlueJ94 Posts: 3,131 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    This was from last year. I only signed up a few months into the year and kept forgetting about it.


     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/£1000
  • They all help I use mygov but stopped using a few of these because the money is bobbing or they want to pay in vouchers. Babysitting is a good earner for me at £15 an hour usually £45 or £50 it's a regular £200 a month.
    Total debt £18,000 at the start of DFW Journey. 2018 14TH JULY 2021 DEBT FREE / 2026 struggling
    NUMBER 14 1p a day challenge 2026 £3.95 / £667.95 NUMBER 15 Pay my debts in 2026 £273/£10,000
  • cuddlymarm
    cuddlymarm Posts: 2,293 Forumite
    Part of the Furniture 1,000 Posts
    Good morning 
    Another £20 off the CC today 

    Pay off by Xmas 2026 £175/£2324.67
    January NSDs 9/15
    January PADs £520
    January grocery challenge £87.56/£150
  • 2sonmum
    2sonmum Posts: 57 Forumite
    Ninth Anniversary 10 Posts Combo Breaker
    Hi, 

    Hopefully not too late to join the challenge.  I have £31504 to pay off and really would like to go for clearing it this year
    #025 Sealed pot challenge 

  • Highlanddream
    Highlanddream Posts: 274 Forumite
    Sixth Anniversary 100 Posts Name Dropper Combo Breaker
    edited 6 January at 8:50PM
    2sonmum said:
    Hi, 

    Hopefully not too late to join the challenge.  I have £31504 to pay off and really would like to go for clearing it this year
    Ouch, that is going to be painful! Keeping everything crossed for you. 
    Sept 24 : £32000    Aug catch up - £11436   Dec 25 - £8975
    May 25 :  £14000            Sept 25 - £10635   Jan 26 - 
    June 25 : £13000   Sep catch up - £10356                                                                                            
    July 25 :  £12000               Oct 25 -  £9569
    Aug 25 :  £11880               Nov 25 - £9275
  • BlueJ94
    BlueJ94 Posts: 3,131 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Evening all, getting laptop out shortly and will update!

     2sonmum said:
    Hi, 

    Hopefully not too late to join the challenge.  I have £31504 to pay off and really would like to go for clearing it this year
    Good luck, cheering you along x
     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/£1000
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