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Pay ALL Your Debt Off By Xmas 2026!
Comments
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£415.01 paid towards my loan!
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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/£10004 -
£713.06 of £4266.52
A nice surprise today, I thought I had £126 left on a Barclays payment plan, it was only £35 so that’s finished now.
Payments today, £63.03 curry’s, £35.02 Barclays PP, £25.77 Capitol one, £38.21 Barclays card.So glad to have another thing paid off 💪
4 debts leftBarclaycard £1,194.95
Capitol one £425.21
Old water debt £1,369.83
Curry’s payment plan £471.91
Current debt £3,461.90. Win win!
My balance isn’t adding up for some reason, maybe that over estimated payment but still a win is a win.
This is the balance until the interest hits again 🤣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 £140.385 -
£50 extra paid today, total for no.8 is 172.29/2000
Pay off all your debts by Christmas 2026! #8 654.54/20003 -
After minimum payments and a wee roundup on one of the cards
#7 - £2,405/£12,500 (£10,095 left)
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
3 -
managed to get a 60% reduction on a small debt so paid off. Total for #8 now 240.74/2000 :)
Pay off all your debts by Christmas 2026! #8 654.54/20004 -
paid extra £220 to credit cards not counting the interest I’ve paid off as this doesn’t count in all my total debts as to me it’s an expensive service charge and I pay that every month regardless how much extra I pay the cc’s#no 3 Debts off by Xmas 2026 £15,250 PAIDNSD April 25/22 May 5/22
#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 £15,250
1% challenge = 100% paid RESTART / £13000
1% -
#cc1 4100 PAID
#cc2 NatWest 3400 PAID
#cc3 Halifax 2150 PAID
#cc4. MBNA 3200/5600 0% runs out soon
#loan1 14000 PAID
#loan2 858/11000 13%
#family loans 4600 PAID#solicitors 8000 PAID
Crisis fund 500/10002 -
so I have 3 high interest credit cards amounting to nearly 10000 26,26,29 % and I might be finally able to get a loan at 11.7 % to pay off all 3 and cancel all cards. It’s £127 monthly for 84 months but I know I’ll pay it off sooner💪🏻 Am I doing right? My gut says I am x
#no 3 Debts off by Xmas 2026 £15,250 PAIDNSD April 25/22 May 5/22
#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 £15,250
1% challenge = 100% paid RESTART / £13000
1% -
#cc1 4100 PAID
#cc2 NatWest 3400 PAID
#cc3 Halifax 2150 PAID
#cc4. MBNA 3200/5600 0% runs out soon
#loan1 14000 PAID
#loan2 858/11000 13%
#family loans 4600 PAID#solicitors 8000 PAID
Crisis fund 500/10002 -
does it have to be over 84 months?
Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.2 -
yeah that’s the only option, those 3 credit cards cost me total nearly £450 a month. I can make overpayments and pay off early once the courts force my ex to sell the house
#no 3 Debts off by Xmas 2026 £15,250 PAIDNSD April 25/22 May 5/22
#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 £15,250
1% challenge = 100% paid RESTART / £13000
1% -
#cc1 4100 PAID
#cc2 NatWest 3400 PAID
#cc3 Halifax 2150 PAID
#cc4. MBNA 3200/5600 0% runs out soon
#loan1 14000 PAID
#loan2 858/11000 13%
#family loans 4600 PAID#solicitors 8000 PAID
Crisis fund 500/10002 -
As long as you're not going to dig yourself into even more debt in the meantime, and I don't think you will knowing how your debt happened in the first place, I think it's a great option xx I'd overpay it though as often as possible to shorten the time.
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
2
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