We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Pay ALL Your Debt Off By Xmas 2026!
Comments
-
6 - _Dolly_Rocker_ £416 £5,000
First mortgage overpayment of £416 made, also updated my goal to £5000 for the year.Debt Free - 4th June 20252 -
Updated balance £410.65 of £4,226.52
We were previously at £437.18 but the interest hit the barclaycard account 🤦♀️
I’ve made a few quid on the surveys and I’m keeping up with my payment a day challenge.So hopefully it’ll allow us to add a few extra quid to the debt at the end of the month.Feb GC 🥬🍑 £6.14/£500
Jan 26 GC 🥞🧇 £570.69/£500
Debt free in 2026 - £551.03 of £4,226.52
NSD FEB 0/10
NSD JAN 8/10
PAD FEB £2.24
PAD JAN £140.383 -
I feel your pain, I get my hopes up paying cc’s down, then they bang the interest on and my heart sinks 🤯😫Changeyourlife25 said:Updated balance £410.65 of £4,226.52
We were previously at £437.18 but the interest hit the barclaycard account 🤦♀️
I’ve made a few quid on the surveys and I’m keeping up with my payment a day challenge.So hopefully it’ll allow us to add a few extra quid to the debt at the end of the month.#no 3 Debts off by Xmas 2026 £2592.63/£15,250
NSD April 25/22 May 1/22
#no 13 365 days 1p challenge 2026 90/365
£40.95/£667.95
#no 2 £2 coin savers challenge 2026
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £2592.63
1% challenge = 17%
#cc1 810/4100 29%
#cc2 NatWest 710/3400 29%
#cc3 Halifax 460/2150 26%
#cc4. MBNA 612/5600 0% runs out soon
#loan1 1300/14000 7.2%
#loan2 858/11000 13%
#family loan /4000 0%#solicitors /8000
Crisis fund 320/5003 -
£10 off cc today#no 3 Debts off by Xmas 2026 £2592.63/£15,250
NSD April 25/22 May 1/22
#no 13 365 days 1p challenge 2026 90/365
£40.95/£667.95
#no 2 £2 coin savers challenge 2026
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £2592.63
1% challenge = 17%
#cc1 810/4100 29%
#cc2 NatWest 710/3400 29%
#cc3 Halifax 460/2150 26%
#cc4. MBNA 612/5600 0% runs out soon
#loan1 1300/14000 7.2%
#loan2 858/11000 13%
#family loan /4000 0%#solicitors /8000
Crisis fund 320/5003 -
I think I have updated totals correct, if not please give me a shout! All should also have numbers nowI’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/£10002 -
How do I view the totals please? Mine may be out due to interest 🤦🏻♀️#no 3 Debts off by Xmas 2026 £2592.63/£15,250
NSD April 25/22 May 1/22
#no 13 365 days 1p challenge 2026 90/365
£40.95/£667.95
#no 2 £2 coin savers challenge 2026
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £2592.63
1% challenge = 17%
#cc1 810/4100 29%
#cc2 NatWest 710/3400 29%
#cc3 Halifax 460/2150 26%
#cc4. MBNA 612/5600 0% runs out soon
#loan1 1300/14000 7.2%
#loan2 858/11000 13%
#family loan /4000 0%#solicitors /8000
Crisis fund 320/5002 -
Click on page 1 of this chat, they are on the first page.ThriftyPrincess40 said:How do I view the totals please? Mine may be out due to interest 🤦🏻♀️
Sept 24 : £32000 Sep 25 - £10356 Feb 26 - £6872
May 25 : £14000 Oct 25 - £9569 Mar 26 - £5998
June 25 : £13000 Nov 25 - £9275
July 25 : £12000 Dec 25 - £8975
Aug 25 : £11436 Jan 26 - £80652 -
£633.58/£15,250 This is yours at the momentThriftyPrincess40 said:How do I view the totals please? Mine may be out due to interest 🤦🏻♀️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/£10001 -
NO3 £15 to credit cards today, close to below £2000 on one, £3000 on another and ones below £4000! The last one I’m leaving for abit whilst I focus on the high interest ones! Feel like I’m making progress! Feb is going to be hard though as a lot of debts and very minimal pay 😭#no 3 Debts off by Xmas 2026 £2592.63/£15,250
NSD April 25/22 May 1/22
#no 13 365 days 1p challenge 2026 90/365
£40.95/£667.95
#no 2 £2 coin savers challenge 2026
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £2592.63
1% challenge = 17%
#cc1 810/4100 29%
#cc2 NatWest 710/3400 29%
#cc3 Halifax 460/2150 26%
#cc4. MBNA 612/5600 0% runs out soon
#loan1 1300/14000 7.2%
#loan2 858/11000 13%
#family loan /4000 0%#solicitors /8000
Crisis fund 320/5001 -
#7 - £2,100/£12,500 (£10,400 left)
Payday finally!
Mortgage: £173,700 Sep 22 £157,700 Feb 26
MF Date: Sep 52 Mar 52
CC Debt: £15,250 Nov 25 £9,200 Feb 26
NSD: Jan: 17/31 | Feb: 12/28
2026 Challenges:
MFiT-T7 #5
DFbyXMAS #7
Sealed Pot Challenge #022
2026 Grocery Challenge: 20/01 - 19/02 £132.79/£200
2026 Grocery Challenge: 20/02 - 19/03 £31.85/£200
0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.5K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.4K Work, Benefits & Business
- 604.2K Mortgages, Homes & Bills
- 178.5K Life & Family
- 261.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards