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  • FIRST POST
    • muppets
    • By muppets 18th Dec 18, 1:24 PM
    • 1,007Posts
    • 6,391Thanks
    muppets
    Pay ALL your debt off by Xmas 2019
    • #1
    • 18th Dec 18, 1:24 PM
    Pay ALL your debt off by Xmas 2019 18th Dec 18 at 1:24 PM
    Welcome to Pay ALL Your Debt Off By Xmas 2019!

    Firstly I would like to welcome all new and existing members from last years thread.

    Anyone is welcome to join this challenge and it is NEVER too late. There is also no amount of money too small or too large that will stop you from joining this challenge. We have several members who will be on their debt journey for several years to come, but they are part of this thread to pay off a fixed amount of their debt as the support on here is fantastic!
    So, if you think you can pay off all your debts by Christmas or have a goal to pay off a certain amount then please join in!

    This challenge runs until 27th December 2019.



    To help me run this thread easily, could you please all post your totals in large text and in a bold colour and post the amount you have paid off // target amount

    It would also be a big help if you could also put with it your challenge number.
    i.e. another £50 paid off so now the total paid off for

    #001 is £315.43/£7685.67
    By the way, don't worry about working out your % paid as I can do that for you!


    Official MoneySavingExpert insert, 14 Jan:

    Want to join the challenge? Please post your debt amount on this thread and ask to join. Muppets will assign you a special number (eg, #001), which you'll then start all your posts with.

    You can also get help in the Debt free wannabe board and Debt Help guide.

    If you haven’t already, join the forum to join in the challenge.

    Good luck everyone and thanks to muppets for the original post!

    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by Former MSE Andrea; 15-01-2019 at 4:07 PM.
    PAYDBX 2019 - #01 Pd £12,915.19 / £17,000 - 75.97%
    SPC12 #59
    MFiT-T5 #36
    3-6 mth EF #5
    €2,445 / 11,100
    Mortgage - PD 100,861.55/ 271,495.07 37.15% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
Page 82
    • AdventureWanted
    • By AdventureWanted 21st Oct 19, 8:14 AM
    • 1,306 Posts
    • 4,513 Thanks
    AdventureWanted
    Paid £57 to the CC today which has taken me to #29 £13,000.43 / £15,000.
    • abba1772
    • By abba1772 22nd Oct 19, 8:07 AM
    • 6,392 Posts
    • 25,882 Thanks
    abba1772
    Morning

    Sent £6.01 towards the barclaycard

    Brings my total to £11574.91 / £10000
    NEXT TARGET BARCLAYCARD WAS 04.09.19 £4299.29 NOW £0
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £13039.59
    POAMAYC 2019 £13089.28
    • abba1772
    • By abba1772 23rd Oct 19, 8:36 AM
    • 6,392 Posts
    • 25,882 Thanks
    abba1772
    Morning

    Sent £8.77 towards the barclaycard

    Brings my total to £11583.68 / £10000
    NEXT TARGET BARCLAYCARD WAS 04.09.19 £4299.29 NOW £0
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £13039.59
    POAMAYC 2019 £13089.28
    • 02w0121
    • By 02w0121 23rd Oct 19, 1:40 PM
    • 8 Posts
    • 47 Thanks
    02w0121
    #167 checking in after a couple of difficult months

    £4875.03/£10,000.00
    • abba1772
    • By abba1772 24th Oct 19, 11:40 AM
    • 6,392 Posts
    • 25,882 Thanks
    abba1772
    Morning just

    Sent £8.85 towards the barclaycard

    Brings my total to £11592.53 / £10000
    NEXT TARGET BARCLAYCARD WAS 04.09.19 £4299.29 NOW £0
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £13039.59
    POAMAYC 2019 £13089.28
    • IrishRose12
    • By IrishRose12 24th Oct 19, 8:27 PM
    • 1,569 Posts
    • 7,339 Thanks
    IrishRose12
    Checking in with another payment this week
    Nearly halfway there, so I'm determined to make it before Christmas. Then I can start the new Year with a more sensible and doable target for next year.

    #57 £1,304/£3,500 = 37%(I hope)
    Pay all debt off by Christmas 2019 #57 £1,120/£3,500
    £1 a day challenge 2019 #2 - £330/ £365

    The 365 Day Penny Challenge #2 - £600/£650

    2019 bag a day declutter challenge - 347/365
    Book challenge 33/20
    • abba1772
    • By abba1772 25th Oct 19, 8:24 AM
    • 6,392 Posts
    • 25,882 Thanks
    abba1772
    Morning

    Sent £170 towards the barclaycard

    Brings my total to £11762.53 / £10000
    NEXT TARGET BARCLAYCARD WAS 04.09.19 £4299.29 NOW £0
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £13039.59
    POAMAYC 2019 £13089.28
    • Purplemumof2
    • By Purplemumof2 25th Oct 19, 9:41 AM
    • 7,474 Posts
    • 28,838 Thanks
    Purplemumof2
    Morning,

    Pay day today and money moved about accordingly.

    #041 £650 paid

    Total £4758.88/5604.30
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £4260.00 Lloyds: £8300.00 OD £2000 MBNA: GONE
    Nov LTW 10/19 ~ NSD 7/15 ~ AFD 3/15
    PAYDBX 2019 #041 PD £4767.99/£5604.30
    Xmas Pot £835.45/£500 ~ EF £200/£500 ~ OD £0/£2000
    20p Savers 2020 £2 Savers 2020 50p Savers 2020 SPC 13 2020 #003
    • AdventureWanted
    • By AdventureWanted 25th Oct 19, 5:11 PM
    • 1,306 Posts
    • 4,513 Thanks
    AdventureWanted
    £43 paid to DHs CC. Now at #29 £13,043.43 / £15,000.
    • One-step-at-a-time
    • By One-step-at-a-time 26th Oct 19, 9:20 AM
    • 364 Posts
    • 1,307 Thanks
    One-step-at-a-time
    Morning! Another 100 off the biggest card -
    #162 now at £10374.7/£12000
    LBM: Jan 2017 £46993.21
    50.35% paid - over the half way point!
    #162 Pay ALL your debt off by Xmas 2019 £10374/£12000
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 26th Oct 19, 9:39 AM
    • 497 Posts
    • 2,135 Thanks
    BlackCoffeeNoSugar
    I was planning on waiting until I got another survey payout to make another CC payment, but needed some extra oomph, so squeezed out £5 from the end of this month’s budget Left with £970 to go!

    #04 - £3,191 / £4,161
    Debt at Nov 2017: £8,619 Debt at Dec 2018: £4,161 Current: £470 Aim for Dec 2019: £0
    Pay ALL your debt off by Xmas 2019 #04 - £3,691 / £4,161
    • xebruary
    • By xebruary 26th Oct 19, 10:34 AM
    • 40 Posts
    • 133 Thanks
    xebruary
    Some more routine payments from me. The overdraft will be the trickiest one because the account still serves as a landing place for all my other payments so it is easy to pay some of it off and let the balance deteriorate again - I have started today with £50 into a savings account specifically to offset the overdraft (I'll be counting this in my total).

    #173 Paid £135.85 = £3,065.53 / £5,938

    I'm getting quite frustrated with my progress at the moment, I saw great progress in the first half of the year but feel I have stagnated since then. I have last month's holiday purchases to pay for and also had to go on a business trip to Denmark which cost me £400 - I won't get repaid for another month. The exchange rate is not so good at the moment so I am holding back on buying pounds to pay down. So I'm trying to keep up the motivation and not let it all frustrate me too much! If I can make this target by Christmas that is all my consumer debt gone notwithstanding the holiday and business trip and I can start looking towards the future instead of paying for the past.
    • xslytherinx
    • By xslytherinx 27th Oct 19, 12:46 AM
    • 15 Posts
    • 91 Thanks
    xslytherinx
    Oops not updated for quite a while!

    Paid off £1240.54 over last few months taking my total to £3246.83 / £8000
    PAYDBX2019 - #90
    Original CC Debt= £15256.29 Paid off as of 11th November 2019 = £11384.96 (74.6%)
    Estimated DFD - December 2020

    Emergency Fund £151/£1000 (15.1%)
    • abba1772
    • By abba1772 28th Oct 19, 8:02 AM
    • 6,392 Posts
    • 25,882 Thanks
    abba1772
    Morning

    Sent £5.88 towards the barclaycard

    Brings my total to £11768.41 / £10000
    NEXT TARGET BARCLAYCARD WAS 04.09.19 £4299.29 NOW £0
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £13039.59
    POAMAYC 2019 £13089.28
    • Glittery
    • By Glittery 28th Oct 19, 12:56 PM
    • 139 Posts
    • 879 Thanks
    Glittery
    211

    Checking in with £4400 paid off.
    We are officially DEBT FREE .

    From almost 50k in debt to finding this group and Dave Ramsey and getting super intense.

    During our debt free journey we had a baby and went down to a single income family.
    If we can do it anyone can!

    Thank you to everyone on here, And good luck on your journey to no debt.
    You can do it!
    2017 48000
    2018 25900
    201911950 to pay off
    £4400 to pay off !
    DEBT FREE
    • IWillSucceed
    • By IWillSucceed 28th Oct 19, 1:00 PM
    • 24 Posts
    • 144 Thanks
    IWillSucceed
    Hi Everyone
    PAYDBX2019 - #85

    Been chipping away each month currently at - Pd £4110/ £9860 which I am please with

    I have also saved £3100 towards a trip I am planning next year - at this stage cant decide if I should pay it off debt or keep for flights. If I pay off debt flights will go on CC in Feb/March..

    Thank you
    365 Day Penny Challenge #28 - £900/£667.95
    PAYDBX 2019 - #85 Pd £4110/ £9860
    SPC 12 #115 -£242
    1% Challenge #32 42% : BC £2447/£7597 MBNA: £1000/['/£1600 TESCOS: £663
    • AdventureWanted
    • By AdventureWanted 29th Oct 19, 7:47 AM
    • 1,306 Posts
    • 4,513 Thanks
    AdventureWanted
    £100 paid off the CCs over the last couple of days. Now at #29 £13,143.43 / £15,000.
    • AdventureWanted
    • By AdventureWanted 29th Oct 19, 7:49 AM
    • 1,306 Posts
    • 4,513 Thanks
    AdventureWanted
    211

    Checking in with £4400 paid off.
    We are officially DEBT FREE .

    From almost 50k in debt to finding this group and Dave Ramsey and getting super intense.

    During our debt free journey we had a baby and went down to a single income family.
    If we can do it anyone can!

    Thank you to everyone on here, And good luck on your journey to no debt.
    You can do it!
    Originally posted by Glittery
    Huge congratulations on becoming debt free .
    • Purplemumof2
    • By Purplemumof2 29th Oct 19, 8:06 AM
    • 7,474 Posts
    • 28,838 Thanks
    Purplemumof2
    Congratulations Glittery xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £4260.00 Lloyds: £8300.00 OD £2000 MBNA: GONE
    Nov LTW 10/19 ~ NSD 7/15 ~ AFD 3/15
    PAYDBX 2019 #041 PD £4767.99/£5604.30
    Xmas Pot £835.45/£500 ~ EF £200/£500 ~ OD £0/£2000
    20p Savers 2020 £2 Savers 2020 50p Savers 2020 SPC 13 2020 #003
    • abba1772
    • By abba1772 29th Oct 19, 8:14 AM
    • 6,392 Posts
    • 25,882 Thanks
    abba1772
    211

    Checking in with £4400 paid off.
    We are officially DEBT FREE .

    From almost 50k in debt to finding this group and Dave Ramsey and getting super intense.

    During our debt free journey we had a baby and went down to a single income family.
    If we can do it anyone can!

    Thank you to everyone on here, And good luck on your journey to no debt.
    You can do it!
    Originally posted by Glittery

    Congratulations
    NEXT TARGET BARCLAYCARD WAS 04.09.19 £4299.29 NOW £0
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £13039.59
    POAMAYC 2019 £13089.28
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