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Pay ALL Your Debt Off By Xmas 2026!
Comments
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@Changeyourlife25 I quite like Dave Ramsey. You can start by looking at "baby steps" or just go directly on "snowball vs avalanche" methods. Good luck with your debt free journey! xx
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 -
I do Dave Ramsey snowball it works for me, but you ll find your own individual way that works for you 💕#no 3 Debts off by Xmas 2026 £2175/£15,250
NSD March 14/22 NSD April 8/22
#no 13 365 days 1p challenge 2026 90/365
£40.95/£667.95
#no 2 £2 coin savers challenge 2026 £24
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £2175
1% challenge = 14.2%
#cc1 700/4100 29%
#cc2 NatWest 600/3400 29%
#cc3 Halifax 390/2150 26%
#cc4. MBNA 485/5600 0% runs out soon
#loan1 1300/14000 7.2%
#loan2 858/11000 13%
#family loan /4000 0%#solicitors /8000
Crisis fund 320/5003 -
I have followed his principles since I started, I love the podcast, love it when he starts ranting 🤣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 - £80653 -
Good morning and a Happy New Year to you all
£20 paid to the CC this morning
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2002 -
😂😂 it always makes me smileHighlanddream said:I have followed his principles since I started, I love the podcast, love it when he starts ranting 🤣#no 3 Debts off by Xmas 2026 £2175/£15,250
NSD March 14/22 NSD April 8/22
#no 13 365 days 1p challenge 2026 90/365
£40.95/£667.95
#no 2 £2 coin savers challenge 2026 £24
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £2175
1% challenge = 14.2%
#cc1 700/4100 29%
#cc2 NatWest 600/3400 29%
#cc3 Halifax 390/2150 26%
#cc4. MBNA 485/5600 0% runs out soon
#loan1 1300/14000 7.2%
#loan2 858/11000 13%
#family loan /4000 0%#solicitors /8000
Crisis fund 320/5002 -
Hi not been here for a few years, where do I find my number please? Do we enter our totals once a month to make it easier for BlueJ and do you highlight in colour.Total debt £18,000 at the start of DFW Journey. 2018 14TH JULY 2021 DEBT FREE / 2026 struggling
NUMBER 14 1p a day challenge 2026 £3.95 / £667.95 NUMBER 15 Pay my debts in 2026 £273/£10,0001 -
Good morning.£437.18 paid off here.
£386.86 Klarna (all paid off and deleted app)
£33.79 min barclaycard payment
£16.53 min capitol one paymentFeb 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 £140.381 -
Klarna sounds a nightmare, well done for deleting it!Changeyourlife25 said:Good morning.£437.18 paid off here.
£386.86 Klarna (all paid off and deleted app)
£33.79 min barclaycard payment
£16.53 min capitol one paymentSept 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 - £80653 -
Echoing Highlanddream, fab achievement, I'm sure you won't miss it. If you're tempted, ask yourself "Will future me be happy with that purchase/expense?"Changeyourlife25 said:Good morning.£437.18 paid off here.
£386.86 Klarna (all paid off and deleted app)
£33.79 min barclaycard payment
£16.53 min capitol one payment
(be careful if you say yes though, here is me £12k in debt from renovations lol)Number 7 reporting - I did a payment between the start of the thread and today, plus todays so the current is:#7 - £900/£12500 (£11,600 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
4 -
I don’t know my number but can I change my total to 15,250 a BIG challenge but it’s a goal to pay any off. I’ve paid £480 off today 💪🏻 next month may be tight but I’m going to try.#no 3 Debts off by Xmas 2026 £2175/£15,250
NSD March 14/22 NSD April 8/22
#no 13 365 days 1p challenge 2026 90/365
£40.95/£667.95
#no 2 £2 coin savers challenge 2026 £24
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £2175
1% challenge = 14.2%
#cc1 700/4100 29%
#cc2 NatWest 600/3400 29%
#cc3 Halifax 390/2150 26%
#cc4. MBNA 485/5600 0% runs out soon
#loan1 1300/14000 7.2%
#loan2 858/11000 13%
#family loan /4000 0%#solicitors /8000
Crisis fund 320/5000
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