Pay ALL your debt off by Xmas 2020

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  • xslytherinx
    xslytherinx Posts: 18 Forumite
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    Good start to the year, paid of £1214.85 /£3250 this month :)

    #90
    Original CC Debt= £15256.29 **LBM - September 2018** **Debt Free - March 2020** :smiley:
    £1000 Emergency Fund - Achieved January 2020
    Emergency Fund Target 2 - £1200/£7500 (16%)
  • abba1772
    abba1772 Posts: 7,746 Forumite
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    Morning :hello:

    Sent towards £7.40 towards the very account

    Brings my total to £535.25 / £10000
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    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 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • lilian1977
    lilian1977 Posts: 5,034 Forumite
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    Hi - another small payment:

    £16.27 / £1114.22
    My debt free diary | Post Office loan: £2827 | Natwest Credit Card: £3362.96
  • Pixie_Fairydust
    Pixie_Fairydust Posts: 336 Forumite
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    ttomo wrote: »
    Hi Pixie,
    TCB is topcashback it's a website you sign upto that gives you cash back on things you may be purchasing anyway. It has everything from insurance to utilities to catalogues and holidays you just go to topcashback website sign up then click through to your normal shop from there site and earn cashback. It can take a while to pay out and sometimes things don't track so it's best to use it as a bonus and not as a given. Hope that makes sense.
    Ttommo 😀
    Glitterbaby wrote: »
    Yep, thats exactly it. I have been with TCB for 10 years and only had a few issues with things tracking, and I agree you should always see it as a bonus rather than a certainty.

    I use it for stuff I would be buying. It can be a bit of a trap if you see it as 'if I buy this I get x amount of cashback' because you are spending money you dont need to, so I only ever use it on stuff I would be buying, such as insurance and utilities. Managed to make a bit over Christmas with the children's presents and some flowers I sent my Nan, so should have a few extra £££ to pay off my CC soon.

    Thanks for the explanation guys! I’ll check it out tomorrow. I can’t sleep due to coughing, so am having a quick catch up!

    Well done everyone.

    Pix :hello:
    Xx
    🎄The most wonderful time of the year 🎄
    #14 - PAYDTBX23
    #23 - 1% debt challenge
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    Morning :hello:

    Sent £10 towards the very account

    Brings my total to £545.25 / £10000
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    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 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • misszog
    misszog Posts: 8 Forumite
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    £50 today to tesco cc

    50 / 6500. 0.76%
  • Calling14
    Calling14 Posts: 3,498 Forumite
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    Good morning challengers.



    £250 dd out today and extra £100 drained from my bank act:T:T


    #16 £400/£2600


    Onwards and upwards:D
    LBM 13039 1.1.13 Now £0 Finally Debt FreeMortgage free Oct 2019:)EFund/savings £25000 10/11/22
  • Munchin
    Munchin Posts: 2,816 Forumite
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    Hi Muppets

    I'm going to step out of this challenge because I decided to use all my savings and clear my debt - feel like I cheated because I had planned to pay from salary but glad it's gone. Good luck everyone.
  • Eyebright
    Eyebright Posts: 1,018 Forumite
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    Munchin wrote: »
    Hi Muppets

    I'm going to step out of this challenge because I decided to use all my savings and clear my debt - feel like I cheated because I had planned to pay from salary but glad it's gone. Good luck everyone.

    Congrats on your Debt Freedom Munchin!!!:D:D:D
    Could you not stay in the challenge and repay yourself your savings as part of the challenge?
    POAYDBX 2020 #? 20/4000
    1 debt vs 100 days #14 20/1000
    Saving for Christmas 2020 50/500
    EF Saving 285/500
  • Munchin
    Munchin Posts: 2,816 Forumite
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    Hi Eyebright - thank you. That is a great idea as I’m very nervous that I’ve wiped out my savings.
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