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Pay ALL Your Debt Off By Xmas 2026!
Comments
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#5 Another £10 off the cc.
Now 20/22002 -
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
Pay off by xmas 2026 - £7/£7959.74
2026 PAD - £7
Make £2026 - £3.50
CC1 - £7/£5617.72
CC2 - £2432.022 -
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 - £92753 -
Also just quick screenshot of what survey apps I useChangeyourlife25 said:
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?AuctionFever said:£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’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/£10002 -
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/£10001 -
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/£10,0004 -
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/£1501 -
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 challenge4 -
Ouch, that is going to be painful! Keeping everything crossed for you.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 yearSept 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 - £92750 -
Evening all, getting laptop out shortly and will update!
2sonmum said:
Good luck, cheering you along xHi,
Hopefully not too late to join the challenge. I have £31504 to pay off and really would like to go for clearing it this yearI’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/£10002
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