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Pay ALL Your Debt Off By Xmas 2026!
Comments
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Please can I join
Need motivation and visual progress. CC £1300 due to using it as my emergency fund in 2025.Make £2026 in 2026 Current total £20
Save £1 per book read in 2026 Current total £2
Emergency fund Current total £90.60/£500
Pay off by Xmas 2026 Current total left £1119/£1300
January 2026 NSDs 16/25
Decluttering 365 items 21/3652 -
Hi where are the numbers please I’m waiting for a number to start posting. I can see the few on the first page is there a link to the other? Thanks in advanceTotal 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/£10,0000 -
You can post at anytime, ill sort out later this evening for youBlackberrycurved said:Hi where are the numbers please I’m waiting for a number to start posting. I can see the few on the first page is there a link to the other? Thanks in advanceI’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/£10000 -
£40 off the credit card today 💪🏻#no 3 Debts off by Xmas 2026 £633.58/£15,250
NSD Jan 17/20
#no 13 365 days 1p challenge 2026
£17.70/£667.95 paid 59/365
#no 2 £2 coin savers challenge 2026 £12
#no 11 SPC 19 £44 banked restart £19.66
2026 PAD challenge £660
1% challenge = 5%
#cc1 200/4100 29%
#cc2 NatWest 210/3400 29%
#cc3 Halifax 60/2150 26%
#cc4. MBNA 80 /5600 0% runs out soon
#loan1 /14000 7.2%
#loan2 /11000 13%
#family loan /3000 0%#solicitors /35003 -
ThriftyPrincess40 said:£40 off the credit card today 💪🏻
You're smashing this!!! 5% already cleared from your goal and you're not even half way through Jan
"Money can't buy happiness, but it can make you awfully comfortable while you're being miserable."
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Challenges
Pay Debts by Xmas '26!: #12 - £274.94 / £5,336.77 (5.15%) | Make £2026 in 2026: #wfn - £18.70/£2026
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Debts
HSBC Credit Card: £76.16 / £3,046.28 (2.5%) | Creation Finance: £188.78 / £1,110.24 (19.7%) | Bank of Mum: £10 / £980.25 (1.02%) | Bank of Dad: £0 / £200 (0%)3 -
Thank you xx I feel like the effort is paying off 🥰leannej85 said:ThriftyPrincess40 said:£40 off the credit card today 💪🏻
You're smashing this!!! 5% already cleared from your goal and you're not even half way through Jan#no 3 Debts off by Xmas 2026 £633.58/£15,250
NSD Jan 17/20
#no 13 365 days 1p challenge 2026
£17.70/£667.95 paid 59/365
#no 2 £2 coin savers challenge 2026 £12
#no 11 SPC 19 £44 banked restart £19.66
2026 PAD challenge £660
1% challenge = 5%
#cc1 200/4100 29%
#cc2 NatWest 210/3400 29%
#cc3 Halifax 60/2150 26%
#cc4. MBNA 80 /5600 0% runs out soon
#loan1 /14000 7.2%
#loan2 /11000 13%
#family loan /3000 0%#solicitors /35002 -
£300/£4000 paid so far this month
Pay all debt off by Christmas 2025 £815.45/£3,000£1 a day challenge 2025 - £180/£730 Declutter a bag a week in 2025 11/52Lose 25lb - 10/25lbs Read 1 book per week - 5/52Pay off credit card debt 18%/100%4 -
At least you have added it up and know exactly where you are nowBangbangdebt said:Hello, we’re in 49000 debt (ouch) and we’d like to reduce this by half this year. good luck. 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 - £92752 -
Just getting the laptop out and I will update those who dont have numbers aswell as totals/targets!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 -
Paid off a further £122 on the 8th making the total this year so far £422 / £6000.paydbx2026 #19 £422/£6000 . Mortgage start £148k June 23 - now £135k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.171
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