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  • FIRST POST
    • muppets
    • By muppets 18th Dec 18, 1:24 PM
    • 1,027Posts
    • 6,431Thanks
    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 80
    • Blackberrycurved
    • By Blackberrycurved 6th Oct 19, 5:23 PM
    • 156 Posts
    • 897 Thanks
    Blackberrycurved
    You are doing well forget your target that is a brilliant achievement
    Blackberry Curved DF XMAS 2019 No 17 3803 /12,500 - 380 / 365 Penny Challenge
    • Blackberrycurved
    • By Blackberrycurved 6th Oct 19, 5:24 PM
    • 156 Posts
    • 897 Thanks
    Blackberrycurved
    Can someone update my paid off total on the front page. I know it doesn't make any difference and it all gets added up at the endof the year but it does keep me sort of motivated. Currently I have paid off.

    Blackberry Curved DF XMAS 2019 No 17 3803 /12,500
    Blackberry Curved DF XMAS 2019 No 17 3803 /12,500 - 380 / 365 Penny Challenge
    • IrishRose12
    • By IrishRose12 6th Oct 19, 7:22 PM
    • 1,573 Posts
    • 7,356 Thanks
    IrishRose12
    Can someone update my paid off total on the front page. I know it doesn't make any difference and it all gets added up at the endof the year but it does keep me sort of motivated. Currently I have paid off.

    Blackberry Curved DF XMAS 2019 No 17 3803 /12,500
    Originally posted by Blackberrycurved
    I'd noticed that the 1st page hasn't been updated in quite a while also. The % always spurs me on, I wish I knew how to figure it out as it definitely motivates me.
    Pay all debt off by Christmas 2019 #57 1,120/3,500
    1 a day challenge 2019 #2 - 365/ 365

    20 books for 2020 - 0/20
    Save 20 20's for 2020 - 0/20
    • Glittery
    • By Glittery 6th Oct 19, 8:00 PM
    • 139 Posts
    • 883 Thanks
    Glittery
    Oh my gosh, Glittery, that's dreadful. Hope it's a mistake, but still a bad shock nonetheless.
    Originally posted by bestlifenow

    Thank you bestlifenow. Cannot belive we are so close to the end of our debt and then it doubles
    2017 48000
    2018 25900
    201911950 to pay off
    4400 to pay off !
    DEBT FREE
    • abba1772
    • By abba1772 7th Oct 19, 7:57 AM
    • 6,408 Posts
    • 26,031 Thanks
    abba1772
    Morning

    7.71 towards the barclaycard

    Brings my total to 10976.89 / 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 13208.18
    POAMAYC 2019 13179.28
    • abba1772
    • By abba1772 8th Oct 19, 8:07 AM
    • 6,408 Posts
    • 26,031 Thanks
    abba1772
    Morning

    Sent 1.18 towards the barclaycard

    Brings my total 10978.07 / 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 13208.18
    POAMAYC 2019 13179.28
    • Calling14
    • By Calling14 8th Oct 19, 12:12 PM
    • 2,989 Posts
    • 21,656 Thanks
    Calling14
    Afternoon a rare appearance by me 10 off.


    Totals 2627/5457




    Slowly but surely
    LBM 13039 1.1.13 Now Jan 2019 3407/5457

    PAYDBX 2019 #16 3407/5457 2050 left
    EFund #9 60/1,000
    1 x 100 days challenge no 33 1450/2000
    Mortgage free Oct 2019


    • xebruary
    • By xebruary 8th Oct 19, 9:56 PM
    • 45 Posts
    • 144 Thanks
    xebruary
    hope you had a fab holiday xebruary

    Hope you've unlinked you're tesco card from your paypal account it's such a easy mistake to make

    well done on making a large dent in your debt, I'm sure you'll have that tesco card gone in no time xx
    Originally posted by abba1772
    It was good thanks, and to boot because my flight was cancelled I got 250/2700kr from SAS, which will be going towards the debt when I get a favourable exchange rate. Plus there's another 50 reimbursement I need to get from either Deutsche Bahn or my insurer. I should go on holiday more often!

    Don't worry, the card is unlinked from the Paypal now

    Inspired by your chipping away approach, I have paid another 9.50 to the Tesco card to bring the balance to 950

    #173 Paid 9.50 = 2,929.68/5,938
    • abba1772
    • By abba1772 9th Oct 19, 8:16 AM
    • 6,408 Posts
    • 26,031 Thanks
    abba1772
    Morning

    Sent 2.04 towards the barclaycard

    Brings my total to 10980.11 / 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 13208.18
    POAMAYC 2019 13179.28
    • AdventureWanted
    • By AdventureWanted 9th Oct 19, 8:49 AM
    • 1,308 Posts
    • 4,540 Thanks
    AdventureWanted
    Morning all,
    I've been awol for too long. Have still been making debt payments, but they ended up being end of month lump sums rather than the daily amounts I enjoy.

    #29 checking in at 12,407.43 / 15,000.

    Part of the money paid has gone to the mortgage and not the CCs so it feels like a bit of a cheat to include it, but it was still a large overpayment which almost cleared our small second mortgage.
    • Calling14
    • By Calling14 9th Oct 19, 2:00 PM
    • 2,989 Posts
    • 21,656 Thanks
    Calling14
    Well here again woo hoo.

    110 in total today



    #16 2737/5457


    Not going to get excited about being over half way as that temps fate and I have been here before. So sssh bit late in the year but halfway


    Happy hump day
    LBM 13039 1.1.13 Now Jan 2019 3407/5457

    PAYDBX 2019 #16 3407/5457 2050 left
    EFund #9 60/1,000
    1 x 100 days challenge no 33 1450/2000
    Mortgage free Oct 2019


    • Purplemumof2
    • By Purplemumof2 9th Oct 19, 3:42 PM
    • 7,556 Posts
    • 29,195 Thanks
    Purplemumof2
    Update
    I have now caught up on things since my little break.

    August and September's payments = 633.55

    So my new total #41 4108.48/5604.30
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: 4160.00 Lloyds: 8100.00 OD 2000 MBNA: GONE
    Dec LTW 4/13
    PAYDBX 2019 #041 PD 5067.99/5604.30
    Xmas Pot 885.45/500 ~ EF 240/500 ~ OD 0/2000
    20p Savers 2020 2 Savers 2020 50p Savers 2020 SPC 13 2020 #003
    • abba1772
    • By abba1772 10th Oct 19, 8:33 AM
    • 6,408 Posts
    • 26,031 Thanks
    abba1772
    Morning

    Sent 10 towards the barclaycard

    Brings my total to 10990.11 / 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 13208.18
    POAMAYC 2019 13179.28
    • AdventureWanted
    • By AdventureWanted 10th Oct 19, 8:51 AM
    • 1,308 Posts
    • 4,540 Thanks
    AdventureWanted
    Morning,
    Paid 20 off the CC today, taking me to #29 12,427.43 / 15,000
    • madvicker
    • By madvicker 10th Oct 19, 3:04 PM
    • 153 Posts
    • 134 Thanks
    madvicker
    #199 checking in. Debt now stands at 2975.23
    • abba1772
    • By abba1772 11th Oct 19, 8:20 AM
    • 6,408 Posts
    • 26,031 Thanks
    abba1772
    Morning

    Sent 77.36 towards the barclaycard

    Brings my total to 11067.47 / 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 13208.18
    POAMAYC 2019 13179.28
    • AdventureWanted
    • By AdventureWanted 11th Oct 19, 7:21 PM
    • 1,308 Posts
    • 4,540 Thanks
    AdventureWanted
    16 paid today. Now at #29 12,443.43 / 15,000.
    • Honeysucklelou2
    • By Honeysucklelou2 12th Oct 19, 9:47 AM
    • 2,135 Posts
    • 11,229 Thanks
    Honeysucklelou2
    Payment of 77 made today making a new total of #93 1091/10,100
    paydbx2019 #93 1241.29/10,100 .
    EF 70. SPC 141

    # savings# 17. Oven. 0 / 403
    • killerkaterina
    • By killerkaterina 12th Oct 19, 10:08 AM
    • 31 Posts
    • 93 Thanks
    killerkaterina
    I'm afraid summer intervened and I forgot to post for ages. However, I've been making my monthly payments, and I'm now at:
    #94 1,161/1,285

    Depending on income (I'm self employed) I'll either pay the last installment at the end of this month or in November. The end it is in sight!
    • AdventureWanted
    • By AdventureWanted 12th Oct 19, 10:27 AM
    • 1,308 Posts
    • 4,540 Thanks
    AdventureWanted
    Rounded down my bank account sending 8 to the Cc. Now at #29 12,451.43 / 15,000.
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