Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • muppets
    • By muppets 4th Dec 17, 4:17 AM
    • 804Posts
    • 5,577Thanks
    muppets
    Pay ALL your debt off by Xmas 2018
    • #1
    • 4th Dec 17, 4:17 AM
    Pay ALL your debt off by Xmas 2018 4th Dec 17 at 4:17 AM
    Welcome to PART 1 OF Pay ALL Your Debt Off By Xmas 2018!

    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 2018.



    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!
    PAYDBX 2018 - #01 Pd 8,305.57 / 10,500 - 79.10%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF #69
    4,300 / 15,000
    Mortgage - PD 86,136.83/ 271,495.07 31.72% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
Page 54
    • Chappie77
    • By Chappie77 14th Apr 18, 10:11 AM
    • 178 Posts
    • 789 Thanks
    Chappie77
    Morning all!

    First of all, well done to everyone - you are ALL doing so well. I haven't been on for a few weeks as I have taken on extra work in order to pay off these debts quicker.

    #67 - 672.36 paid off = 2179.56/7268.47

    Happy thoughts everyone

    Chappie x
    Payment a Day 2018 Very 1701.22/1701.22 Business Barclaycard 633.19/633.19 Hitachi 1489.17/1489.17 MBNA 358.70/3159.01 Saving for Xmas 2018 215/500 Virtual Sealed Pot 2018 370/700 PAYDBX2018 5441.81/7268.47 2 Savers Club 2018 190
    • Rosie75
    • By Rosie75 14th Apr 18, 11:03 AM
    • 587 Posts
    • 642 Thanks
    Rosie75
    175 paid to the Sainsburys card, which is now cleared and will be closed. Feels like a milestone as I'm now down to just one credit card to clear - I don't want to think how many years I've been juggling multiple cc debts for.

    #088 is 2938 / 7440
    PAYDBX2018 #088: 6690 / 7440
    • abba1772
    • By abba1772 14th Apr 18, 7:07 PM
    • 5,152 Posts
    • 18,345 Thanks
    abba1772
    Sorry I've been missing for a couple days .........it's been hectic

    Sent 56.30 towards the Halifax

    Brings my total to 4012.74 / 6000
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 2047.76
    POAMAYC 2011 6382.66 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 9068.52
    • abba1772
    • By abba1772 14th Apr 18, 7:15 PM
    • 5,152 Posts
    • 18,345 Thanks
    abba1772
    Woo hoo into the 4K bracket but my debt repayments will slow down til we've come back from holiday as we have park tickets to pay off before 6th June xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 2047.76
    POAMAYC 2011 6382.66 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 9068.52
    • IrishRose12
    • By IrishRose12 15th Apr 18, 1:12 PM
    • 1,499 Posts
    • 6,460 Thanks
    IrishRose12
    Not been able to get one here for along time now as real life is getting in the way again, but My house is looking better for all the decluttering we've been doing lol.
    Still plugging away at this debt though currently at

    #57

    1433.58/3000
    Pay all debt off by Christmas 2018 #57 1295.47/3,000
    1 a day challenge 2018 - 210/ 365

    The 365 Day Penny Challenge #2 - 350.00/650

    2018 - RULE OF 3 Decluttering challenge - 3,896/1,095 items
    Book challenge 10/20
    • sunshine81
    • By sunshine81 15th Apr 18, 1:48 PM
    • 1,248 Posts
    • 6,417 Thanks
    sunshine81
    #145 7552.00 / 19261 (39.21%)
    • Megano
    • By Megano 15th Apr 18, 2:20 PM
    • 267 Posts
    • 1,174 Thanks
    Megano
    036) Payment of 10.31 to the TSB credit card
    Virgin Money 200/1663.90
    TSB 1383.57/2554.50
    BOM 400/930
    Tesco 250/1605
    Total 2234.29/6753.4 33.08%
    • Flee
    • By Flee 15th Apr 18, 3:29 PM
    • 763 Posts
    • 3,347 Thanks
    Flee
    Hello all.
    Slowing up at the moment whilst we move house and sort out our mortgage. No credit cards now but we have the 3 loans still at around 20k left. Scary to think we paid off 12k already since September and most of this has been paid since the beginning of this year. We wasted too much money but never again.
    We could pay one of them off but we will need the money for solicitor's fees and stamp duty, so delayed paying this off.

    Going to be tight to pay everything off by the end of the year but I signed up for this challenge and I will succeed.
    Halifax CC 1029/2490, Tesco CC 0/3203, Tesco loan 15431/15808, Carloan1 6743/8241, Carloan2 0/3813

    Pay all your debt off by Xmas 18 =22% 6661/29865
    • RandomGuy235
    • By RandomGuy235 15th Apr 18, 4:08 PM
    • 19 Posts
    • 51 Thanks
    RandomGuy235
    #086 with my monthly check in.

    I have now paid 620.86 off from my target of 1,165.00. This takes me to 53% of my target.

    The biggest thing for me is that my balance is the lowest it has been for two years so I'm feeling delighted at the moment. Aiming to have it paid off by the end of July.
    • Robi90
    • By Robi90 15th Apr 18, 7:40 PM
    • 53 Posts
    • 251 Thanks
    Robi90
    Can I join please? 5094.71 to pay off and I want to get it done by the end of this year.
    Aiming to be debt free by 31/12/2018

    No Buying Unnecessary Toiletries April 2018
    1 debt vs 100 days chapter 29
    Pay ALL your debt off by Xmas 2018
    Frugal Living 2018
    • sunshine81
    • By sunshine81 16th Apr 18, 10:03 PM
    • 1,248 Posts
    • 6,417 Thanks
    sunshine81
    #145 7669.00 / 19261 (39.82%)
    • sunshine81
    • By sunshine81 17th Apr 18, 9:18 AM
    • 1,248 Posts
    • 6,417 Thanks
    sunshine81
    #145 7675.30 / 19261 (39.85%)
    • kirtsypoos
    • By kirtsypoos 17th Apr 18, 10:30 AM
    • 3,428 Posts
    • 15,059 Thanks
    kirtsypoos
    Morning all,

    #006 checking in with 3850.92/4000 please muppets
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: 0/31010.23 (100% paid)
    Mortgage - 158.500.00 (2017/2018 O/P 3491.79) PAYDBX 17 - 18,442.82
    PAYDBX 18 #006 3850.92/4000
    • greent
    • By greent 17th Apr 18, 12:21 PM
    • 7,354 Posts
    • 74,534 Thanks
    greent
    APRIL Check In for #15
    ETA - These have now changed - new post d/d 18/04 shows final figures for April


    APR FIGURES: total paid is 2176.02 - meaning YTD total is 4436.40/ 18694.38 (23.7%) for #15

    Running update:

    (OH) VW 9580 - repay all/ Apr paid 302/ YTD Paid 1208 (12.6%)
    (me) HMRC 565.40 - repay all / Apr Paid 0/ YTD paid 565.40
    (OH) PO CC 3339 - repay all / Apr Paid 1785.00/ YTD paid 2439 (73%)
    (me) Hlfx CC 5209.98 - repay all / Apr Paid 89.02/ YTD paid 224 (4.3%)
    Totals: 18694.38 / Mth paid 2176.02/ YTD paid 4436.40 (23.7%)

    Decent amount paid to OH's CC this month. (Fleabay sales/ cashback so far of 265 ready towards next month's reduction on there) Would like to clear it in June at latest, if I can

    Have also requested early settlement figure on OH's car debt too - will see if that's worth settling early (and if we can jiggle the finances around to do so!)

    Thank you
    Last edited by greent; 18-04-2018 at 5:08 PM.
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 124616 01/10 104927 01/11 89873 01/12 76317 01/13 52546 01/14 35356 01/15 12133 07/15 NIL
    BTL Mtge 12/16 69786. 2018 OPs (#18) 6100/7500
    Net sales 2018 655.15/1000 PAYDOX18 (#15) Done 18918.90
    • onedaysomeday
    • By onedaysomeday 17th Apr 18, 3:48 PM
    • 560 Posts
    • 818 Thanks
    onedaysomeday
    In hindsight what I should really have done rather than starting over was just add my debt on so it still showed the chunk I paid but I wouldn't even be able to work it out now...

    So 25 paid to CC1 today means 25/5821.34 for number #079
    Just trying to make up for past mistakes and work towards the future I want
    • MelBell2015
    • By MelBell2015 18th Apr 18, 10:51 AM
    • 26 Posts
    • 155 Thanks
    MelBell2015
    Paid an extra 400 off my car loan - yippee!

    #103 705.72 / 8032.46
    2018 GOAL - PAY OFF ALL DEBT AND HAVE SAVINGS
    PAYDBX2018 #103 1692.16/8032.46
    1000 EF Challenge #277 5/1000
    3-6 month EF Challenge #98 5/2100
    • Calling14
    • By Calling14 18th Apr 18, 11:47 AM
    • 2,745 Posts
    • 19,899 Thanks
    Calling14
    Been away for a week reporting in 200 off.

    #16 2100/5552

    Hi everyone keep going
    LBM 13039 1.1.13 Start 2018 5552 NOW 1810

    PAYDBX 2018 #16 3742/5552 DFD 12/18
    E
    Fund #9 120/1,000
    1 x 100 days challenge
    766/2276

    • sunshine81
    • By sunshine81 18th Apr 18, 1:32 PM
    • 1,248 Posts
    • 6,417 Thanks
    sunshine81
    #145 7679.30 / 19261 (39.87%)
    • abba1772
    • By abba1772 18th Apr 18, 1:35 PM
    • 5,152 Posts
    • 18,345 Thanks
    abba1772
    Gutted I won't be able to make a payment a day Until the end of July as have holiday tickets to paid off by June the 6th then I'll be saving like crazy for our spending money so only making bare minimum payments but it's better than getting further into debt for xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 2047.76
    POAMAYC 2011 6382.66 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 9068.52
    • onedaysomeday
    • By onedaysomeday 18th Apr 18, 2:22 PM
    • 560 Posts
    • 818 Thanks
    onedaysomeday
    20 paid to CC1 today means 45.00/5821.34 for number #079
    Just trying to make up for past mistakes and work towards the future I want
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

201Posts Today

2,375Users online

Martin's Twitter