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Pay ALL Your Debt Off By Xmas 2026!

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Comments

  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 474 Forumite
    100 Posts Photogenic Name Dropper
    Paid £10 off my interest card after selling books and dvds 💪🏻
    #no 3 Debts off by Xmas 2026 £1500/£12,500
    NSD June 23/22
    #no 13 365 days 1p challenge 2026 Jan Feb March April May June paid 
    #no 2 £2 coin savers challenge 2026
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £12,500
    1% challenge = £12,500
    1% - £125 12% 

    loan 6% £11000

  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 474 Forumite
    100 Posts Photogenic Name Dropper
    Ok so paid £220 off high interest card today, £500 off my solicitor bills, £109 of my second high interest card 💪🏻
    #no 3 Debts off by Xmas 2026 £1500/£12,500
    NSD June 23/22
    #no 13 365 days 1p challenge 2026 Jan Feb March April May June paid 
    #no 2 £2 coin savers challenge 2026
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £12,500
    1% challenge = £12,500
    1% - £125 12% 

    loan 6% £11000

  • _Dolly_Rocker_
    _Dolly_Rocker_ Posts: 1,074 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    Hey, 

    So not sure I'll be able to join in but I want to count my LISA as a debt and plan to add £4,000 a year to it, can I join in?

    Thanks
    Debt Free - 4th June 2025
  • RedLipstick
    RedLipstick Posts: 241 Forumite
    100 Posts First Anniversary Name Dropper
    Hello! I'd like to join this year again please. I'm on £12500. Thank you!

    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


  • c.w.2015
    c.w.2015 Posts: 10 Forumite
    Tenth Anniversary 10 Posts
    Hi, Can I join please?

    I am on a DMP, but with extra payments I hope to clear £2000 in 2026 :)
    Pay off all your debts by Christmas 2026! #8 864.99/2000
  • cuddlymarm
    cuddlymarm Posts: 2,322 Forumite
    Part of the Furniture 1,000 Posts
    Good morning guys
    I got paid today so £50 off my CC 

    Pay off by Xmas 2026 £175/£2324.67
    February NSDs 6/15
    February PADs £55
    February grocery challenge £67.42/£200
  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 474 Forumite
    100 Posts Photogenic Name Dropper
    Nothing paid since Friday, managed to get my higher interest card down to £4000 so this is my target to pay off this year. Small steps x
    #no 3 Debts off by Xmas 2026 £1500/£12,500
    NSD June 23/22
    #no 13 365 days 1p challenge 2026 Jan Feb March April May June paid 
    #no 2 £2 coin savers challenge 2026
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £12,500
    1% challenge = £12,500
    1% - £125 12% 

    loan 6% £11000

  • Highlanddream
    Highlanddream Posts: 367 Forumite
    Seventh Anniversary 100 Posts Name Dropper Combo Breaker
    edited 22 December 2025 at 10:43PM
    Yippy, last year I had only just started and the figures felt too big to join. £8975 left to go, whoop whoop. Want the lot gone by Sept 26, I am probably being too industrious but would feel great to go from 32000 in Sept 24 to 0 in Sept 26 :D. Reality is December 2026. 

    £8975 currently. 
    Sept 24 : £32000         Sep 25 - £10356         Feb 26 - £6872      Jul 26 - £5495
    May 25 :  £14000        Oct 25 -  £9569          Mar 26 - £5998         
    June 25 : £13000         Nov 25 - £9275          Apr 26  - £5998                     
    July 25 :  £12000         Dec 25 - £8975          May 26 - £5998 
    Aug 25 :  £11436         Jan 26 -  £8065          Jun 26 -  £5959
  • cuddlymarm
    cuddlymarm Posts: 2,322 Forumite
    Part of the Furniture 1,000 Posts
    Good morning 
    Another £20 off my CC today

    Pay off by Xmas 2026 £175/£2324.67
    February NSDs 6/15
    February PADs £55
    February grocery challenge £67.42/£200
  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 474 Forumite
    100 Posts Photogenic Name Dropper
    I might be getting a lump sum soon but I don’t know whether to pay my interest card off at £4000 29% interest or pay my loan off at 12000 at 7.2% with £500 payment a month? What’s best? 
    #no 3 Debts off by Xmas 2026 £1500/£12,500
    NSD June 23/22
    #no 13 365 days 1p challenge 2026 Jan Feb March April May June paid 
    #no 2 £2 coin savers challenge 2026
     #no 11 SPC 19 £44 banked restart
    2026 PAD challenge  £12,500
    1% challenge = £12,500
    1% - £125 12% 

    loan 6% £11000

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