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Pay ALL Your Debt Off By Xmas 2026!

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Comments

  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 360 Forumite
    100 Posts Name Dropper

    still at same for me, no PAD for next 2 months until I’m fully in work

    #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 320/500
  • SuperSavingD
    SuperSavingD Posts: 699 Forumite
    Sixth Anniversary 500 Posts Name Dropper

    #2 Sent another £104 now at £809/£2200.

    Thanks

  • SuperSavingD
    SuperSavingD Posts: 699 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    https://forums.moneysavingexpert.com/discussion/comment/81977714#Comment_81977714

    Good luck with the work situation, sure you will be back on it soon. Sending good vibes your way .

  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 360 Forumite
    100 Posts Name Dropper
    https://forums.moneysavingexpert.com/discussion/comment/81980844#Comment_81980844

    thank you, I’m giving it my best 💕

    #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 320/500
  • crazybeautiful
    crazybeautiful Posts: 60 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic

    I've only been paying just over my minimum payment every month and the total was going down so slowly (especially when interest is then added on).

    I've sold / re sold some tickets for an event I can no longer attend and have paid of £193.09 in one go. I'm under £1000 and it feels like the end is much closer now :)

    Current total left £856.33/£1300

    Make £2026 in 2026 Current total £221.92
    Save £1 per book read in 2026 Current total £6

    Emergency fund Current total £290.33/£500

    Pay off by Xmas 2026 Current total left £856.33/£1300

    January 2026 NSDs 29/25 February 2026 NSDs 22/20 March 2026 NSDs 26/20
    April 2026 NSDs 23/20 May 2026 NSDs

    Decluttering 365 items 50/365
  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 360 Forumite
    100 Posts Name Dropper
    https://forums.moneysavingexpert.com/discussion/comment/81983005#Comment_81983005

    you’ve got this 💪🏻

    #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 320/500
  • ThriftyPrincess40
    ThriftyPrincess40 Posts: 360 Forumite
    100 Posts Name Dropper

    still on minimum payments, hopefully soon I can start overpaying 🤞

    #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 320/500
  • Dizzycap
    Dizzycap Posts: 1,904 Ambassador
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 4 May at 5:37AM

    Hi All 🤗.

    #Well done everyone with all the hard work with clearing debt. It's not easy, but slow, little, and often wins the race 🤗😉.

    I'd love to join this challenge and have added myself as #27, if that's ok?

    Whilst I'm not technically paying off debt, I've decided I would create a 'moral obligation debt' to myself by replacing funds used in my 2nd (backup) Emergency Fund amounting to £2880 by the end of December 2026. As I'm involved in a number of MSE money saving challenges, I know I'll be stretching myself as I won't be using any funds saved through any of the other MSE challenges, so I will need to be more financially creative & savvy, but that's exactly what challenges are about 🤗😉.

    #27 - I'm starting off with a duel fuel DD saving of £45pm for 2 months plus a £20 Tarrif switch payment through the MSE Energy Club = £110 in the pot.

    ~ NSD 2026 Challenge May 7/10 (5)
    # No.12 Save £2 a Day 2026 £304.15 / £730 (5)
    # No.2 Save 1p A Day Challenge 2026 £295.85 / £667.95 (5)
    # No.4 Save £12k in 2026 - £7495.78 / £12,000 (5)
    # £10-a-Day Challenge 2026 - £89.85 / £1825 (5)
    # No.8 Sealed Pot Challenge 19 (24/10) 286.45 / £400 (5)
    # No.27 - Top Up EP 2 £350 / £2880 (5).
    # Make £2026 in 2026 - Completed
  • Dizzycap
    Dizzycap Posts: 1,904 Ambassador
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    edited 6 May at 8:34AM

    Morning all,

    Had notification that I've got too much credit in my duel fuel accounts; as I've been overpaying with monthly DDs, so have been reimbursed £240 which has gone stright into my Top UP EP2 account 🤗.

    There's also the latest MSE email which has also highlighted Energy DDs and overpayments along with other potential areas of bill overpayments etc - See Here

    ~ NSD 2026 Challenge May 7/10 (5)
    # No.12 Save £2 a Day 2026 £304.15 / £730 (5)
    # No.2 Save 1p A Day Challenge 2026 £295.85 / £667.95 (5)
    # No.4 Save £12k in 2026 - £7495.78 / £12,000 (5)
    # £10-a-Day Challenge 2026 - £89.85 / £1825 (5)
    # No.8 Sealed Pot Challenge 19 (24/10) 286.45 / £400 (5)
    # No.27 - Top Up EP 2 £350 / £2880 (5).
    # Make £2026 in 2026 - Completed
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