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Pay ALL Your Debt Off By Xmas 2026!
Comments
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#3 paid £500 off the credit card 🥳🥳🥳 another £12000 to go!
#no 3 Debts off by Xmas 2026 £1500/£12,500NSD 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% £110003 -
and £300 to loan 🥳
#no 3 Debts off by Xmas 2026 £1500/£12,500NSD 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% £110002 -
£1203.50/£2200
The final £1k remaining.3 -
#12 - £1,412.22 / £5,336.77 (26.5%)
Long time no update. Paid my Creation debt off 🥳 Will focus on the HSBC debt next. Breakdown in signature 😊
"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 - £1,412.22 / £5,336.77 (26.5%)
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Debts
HSBC Credit Card: £362.22 / £3,046.28 (11.9%) | Creation Finance: £1,110.24 / £1,110.24 (100%) | Bank of Mum: £50 / £980.25 (5.1%) | Bank of Dad: £0 / £200 (0%)5 -
End of month review, total paid #8 864.99/2000
Pay off all your debts by Christmas 2026! #8 864.99/20003 -
Realised I’d forgotten to update May’s figures. Another £425 paid off making £2324 paid off so far this year.
# 19 £2324/£6000.paydbx2026 #19 £2324/£6000 . Mortgage start £148k June 23 - now £133k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.174 -
By pay day I will be back down to £6000 after the worst few months ever. I have transferred my current card to a 36 month 0% transfer card. I have decided to pay it off at 150 approx a month so it is clear by the end of the interest free period. I have also decided I wanted to enjoy life and not scrimp for the next 12 months. I have learnt my lesson and will not use debt any more - I have had to the last few months to help sort things out for family. That lesson, we don't know what is round the corner, has hit me straight between the eyes and by 'enjoying life' I mean have a substantial emergency fund as a £1000 has not been anywhere near enough. I may well change my mind about getting the debt paid off quicker but at the moment this will make me feel 'happier'.
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 - £59594 -
£1245/£2200 - £955 to go! I never want another cc or debt again, and there’s more to go after this 😬🫣 but I have also learned my lesson too.
3 -
£1256/£2200 - £944 to go!
1 -
you got this 👊🏻
#no 3 Debts off by Xmas 2026 £1500/£12,500NSD 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% £110001
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