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  • FIRST POST
    • muppets
    • By muppets 18th Dec 18, 1:24 PM
    • 1,007Posts
    • 6,382Thanks
    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 2
    • scoobysnax40
    • By scoobysnax40 21st Dec 18, 12:58 PM
    • 31 Posts
    • 107 Thanks
    scoobysnax40
    Hey folks,

    I am looking to join this. Haven't been part of the previous thread.

    My target for 2019 is to clear a personal loan, which I took out in November. There is €18,250 outstanding, which includes all expected interest over the next 12ish months and averages €50 a day starting from 1 January. I'm looking for a little bit of motivation to clear such a large amount, and am hoping that I will not only find that from this thread, but that the thread will also help to keep me on track with my plan!

    This is my last piece of debt so I am looking forward to being debt free by the end of 2019! Bring it on!!!
    • arc_cutter
    • By arc_cutter 21st Dec 18, 2:27 PM
    • 67 Posts
    • 502 Thanks
    arc_cutter
    Hi Muppets,

    Can you add me to this thread please. I will post a total once i've done my sums again
    DFXMAS 2015 Total £4893.66 / £21,197.29 /23.08%
    DFXMAS 2016 Total £3783.97 / £17626.13 /21.46%
    DFXMAS 2017 Total £3902.37 / £18927.72 /20.62%
    DFXMAS 2018 Total £4746.36 / £18528.62 /25.62%
    DFXMAS 2019 Total £3350 /£17568.99/19.07%
    • bestlifenow
    • By bestlifenow 21st Dec 18, 10:14 PM
    • 188 Posts
    • 862 Thanks
    bestlifenow
    Hi. Can I join please. Total I want to pay off is
    £8094.

    Thank you.
    • Honeysucklelou2
    • By Honeysucklelou2 22nd Dec 18, 6:19 AM
    • 2,062 Posts
    • 10,799 Thanks
    Honeysucklelou2
    Hi Muppets,

    Could I join in with this 2019 challenge please. I didn't do as well as I'd hoped in 2018 but needing to get this debt cleared. Please could my total be £10, 100. I hadn't included a home improvement loan last time. Happy to have the same number as last year if that helps #93

    Thank you.
    Last edited by Honeysucklelou2; 22-12-2018 at 6:22 AM. Reason: Revised figure
    paydbx2019 #93 £1211.29/£10,100 .
    EF £40. SPC 141

    # savings# £17. Oven. £0 / £403
    • Determined diva
    • By Determined diva 22nd Dec 18, 11:26 AM
    • 648 Posts
    • 2,858 Thanks
    Determined diva
    Please can I join muppets?

    I was #92 last year
    £12,000 is my goal
    £12,000 is my goal

    Total to pay off is £18,500

    Thanks so much!
    DDx
    Last edited by Determined diva; 22-12-2018 at 11:30 AM.
    Started again 25th December 2017
    Current tracking - £2,338.18/ £18,282.25 to pay off. (14.04.18)
    • parsniphead
    • By parsniphead 22nd Dec 18, 2:14 PM
    • 2,837 Posts
    • 19,958 Thanks
    parsniphead
    Hello everyone and happy Christmas.

    I was part of this thread for a number of years but not last year. It's been a difficult year due to illness and I want something positive to focus on next year, as well as getting well.

    I would like to join for the coming year but will need to come back with exact figures.

    Looking forward to progress.
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
    • parsniphead
    • By parsniphead 22nd Dec 18, 2:23 PM
    • 2,837 Posts
    • 19,958 Thanks
    parsniphead
    My target figure is £8471.

    Blimey. Three years ago I was within hundreds of being debt free thanks to this thread.
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
    • cado1
    • By cado1 22nd Dec 18, 2:40 PM
    • 102 Posts
    • 79 Thanks
    cado1
    Please can I join ? Aiming to repay £10k in 2019
    Total Unsecured Debt at October 2018 £29,411
    08/19 £ 17,883
    • sunshine81
    • By sunshine81 22nd Dec 18, 3:20 PM
    • 1,438 Posts
    • 7,323 Thanks
    sunshine81
    OK. Deep breath.

    Last year I did so well on the surface but in reality the debt was just being cycled through with my uncontrolled effort to speculate to accumulate, but also spending without watching.

    This past month I have sat down with my finances and I am on a strict path in 2019 to be debt free. And I have never been more determined in my life.

    I feel like a fraud for last year but I have learned many lessons, I'm in for 2019 and this year there will be no new spending and the debt will only be going down!

    So can you please put #145 down for.... deep breath.... £27,996.15.
    January 1st will see a fairly big payment, but then it really will be a case of knuckling down and grafting every which way but loose.

    Thank you xx
    • Missu
    • By Missu 22nd Dec 18, 7:32 PM
    • 532 Posts
    • 1,214 Thanks
    Missu
    Can I join Please? I have debt of £5800 hoping to clear by July 2019
    Mortgage at 26/9/12 £92000 :eek
    Balance at 1/9/19 £36619
    Saving for Xmas £300/£500 :xmastree
    • a_silver_lining
    • By a_silver_lining 22nd Dec 18, 8:58 PM
    • 500 Posts
    • 1,700 Thanks
    a_silver_lining
    Looking forward to this year! Going to make payments through money made additional to my normal salary

    Paid £50.48.

    £50.48 Quidco.

    Pay debt by Xmas 2019: 50.48/4K = 1.25%
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.
    11K OP 31.03.19

    Current goal: 0/5K saved for Ireland purchase in 2021
    • Whatshername
    • By Whatshername 22nd Dec 18, 10:03 PM
    • 112 Posts
    • 647 Thanks
    Whatshername
    Hi, would like to join again.
    Have a total of £3190 to pay off which I'm determined to pay by Xmas 2019. This is the last if a debt that I've had for years now so will be chuffed to get it paid and finally be debt free xx
    #030 Sealed Pot 2019 Challenge - Declare 31st Oct
    #064 Pay debts by Xmas 2019 Challenge - £3390/ £3390
    #015 £2 savers club 2019 - target £200
    • Blackberrycurved
    • By Blackberrycurved 23rd Dec 18, 1:05 AM
    • 155 Posts
    • 889 Thanks
    Blackberrycurved
    Okay I did okay last year but like others on here I ran debts up again because I don’t have any savings pot for when things go wrong but it’s impossible to save with debts earring up. So another big breath Muppets and taking every day as a chance to make extra cash to reduce this. My target is £12,500 including mortgage I don’t think I’ll pay it all but I’ll do my best.
    • LoLo
    • By LoLo 23rd Dec 18, 3:51 AM
    • 543 Posts
    • 1,408 Thanks
    LoLo
    Please could I join. I did sign up to the challenge this year but life happened and I didn’t quite make it. I have a renewed focus now and want to aim to pay off £10,000 which is half of my debt. I think this is more realistic than aiming to pay it all off.

    I was #23last time.
    pay All your debt by end of 2018. #21
    £1224.82/£10,000
    • RhiBi
    • By RhiBi 23rd Dec 18, 9:03 AM
    • 661 Posts
    • 1,884 Thanks
    RhiBi
    Can I sign up to this please! I'd like to have a total of £5000 to pay off please.

    Thanks
    Virtual Sealed Pot 2019 £11.69/£500
    Bring your Lunch to Work to Work Jan 0/19
    £2 Savers Club #25 - £4
    Pay debt in 100 days £170/£1200
    • Homegrown0
    • By Homegrown0 23rd Dec 18, 10:48 AM
    • 1,035 Posts
    • 5,479 Thanks
    Homegrown0
    Can i please sign up (new member, no number yet)?

    My goal is £10,000 for 2019!

    That's not 100% of my debt which is around 16k but I think 10k is an achievable target. Now to move on to creating my plan of action to make the target!

    I'll pop my number on my signature when I am assigned one
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
    • loopylisajane
    • By loopylisajane 23rd Dec 18, 4:02 PM
    • 3 Posts
    • 24 Thanks
    loopylisajane
    Hi I would love to join this challenge please. Have been a long time lurker and would like to get a bit more involved. My debts are creeping up and up each year and I want to start living with what I have available and reducing my debt. I don't really have a target in mind other than to have less debt than I do today but I will say target of £2,5000 for the year
    Clearing my debt £1 at a time
    • muppets
    • By muppets 23rd Dec 18, 5:20 PM
    • 1,007 Posts
    • 6,382 Thanks
    muppets
    Yay! New shiny thread, thanks Muppets.

    Please can I have another go at this one? Target of £4000 please x
    Originally posted by Purplemumof2
    Can I have another go at it too please? Can you put me down for £2700?

    I’m so close!
    Originally posted by Robi90
    I have added you both Purplemumof2 & Robi90 same numbers as last year


    This thread is exactly what I need, I'm aiming to be debt free by Dec 2019 - can I join in? My target is £4,161. Thank you!
    Originally posted by BlackCoffeeNoSugar

    BlackCoffeeNoSugar I have added you to the list Your number will be allocated soon, in the meantime please keep posting
    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
    • muppets
    • By muppets 23rd Dec 18, 5:23 PM
    • 1,007 Posts
    • 6,382 Thanks
    muppets
    Perfect! I'm not on the 2018 thread but can I join this one please. I'm not sure so could pay off all our debt in 2019, but I'm going to aim for paying off £14000
    fingers crossed!
    thanks
    Originally posted by Money_mess
    Hi Muppets :-)

    I'm new to this so not on the old thread. Had a Light Bulb Moment and need to start clearing my debt, the majority of which has been with me a long time …...but having a paid a large chunk off I have run it up again another £3K by overspending and gambling (have all stopped on the gambling front now!!!).

    My total debt (not including mortgage - that's a future challenge) - is around £18K (!!!) - my wife would be horrified if she knew it was that big - and I think I can clear that within 3 years as my job is pretty well paid despite expensive childcare bills , my target to pay off is £6500


    (so anything I owe over £11,500 is what I will be using for my stats in terms of "paid off"...….)

    Thanks and good luck to all on this thread!! Will keep updating as often as I can!
    Originally posted by Time_2_Clear_The_Debt

    Money_mess & Time_2_Clear_The_Debt You have both been added to the list Your number will be allocated soon, in the meantime please keep posting




    Please could I join for 2019? My number I think is #126?? I'm making a conscious effort to actively participate this year...! I want to pay off all my credit card debt this year, the total amount is £12,526
    Originally posted by B17c
    B17c I have added you to the list Same number #126 for you
    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
    • muppets
    • By muppets 23rd Dec 18, 5:25 PM
    • 1,007 Posts
    • 6,382 Thanks
    muppets
    Hi I'd like to join this thread as I was on the last one but didn't quite make it to being debt free.

    My target will be £3880 which is everything including car finance that I paid off using a money transfer card and a portion of original debt.
    Originally posted by LLM2018
    I have added you to the list You were so close, 2019 will be your year Your number is #78
    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
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