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  • FIRST POST
    • muppets
    • By muppets 18th Dec 18, 1:24 PM
    • 1,007Posts
    • 6,392Thanks
    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 84
    • abba1772
    • By abba1772 4th Nov 19, 8:07 AM
    • 6,407 Posts
    • 25,973 Thanks
    abba1772
    Morning

    Sent 26.61 towards the barclaycard

    Brings my total to 12406.49 / 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 5th Nov 19, 8:27 AM
    • 6,407 Posts
    • 25,973 Thanks
    abba1772
    Morning

    Sent 12.21 towards the barclaycard

    Brings my total to 12418.70 / 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 6th Nov 19, 8:04 AM
    • 6,407 Posts
    • 25,973 Thanks
    abba1772
    Morning me again

    Sent 5.24 towards the barclaycard

    Brings my total to 12423.94 / 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 7th Nov 19, 12:13 PM
    • 6,407 Posts
    • 25,973 Thanks
    abba1772
    Morning

    Sent 3.06 towards the barclaycard

    Brings my total to 12427.00 / 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
    • killerkaterina
    • By killerkaterina 7th Nov 19, 8:18 PM
    • 31 Posts
    • 90 Thanks
    killerkaterina
    Thanks - and congratulations to you, too!
    • abba1772
    • By abba1772 8th Nov 19, 8:04 AM
    • 6,407 Posts
    • 25,973 Thanks
    abba1772
    Woo hoo

    Morning

    Cleared my barclaycard balance of 535.31 and cleared my Argos card 126.97

    Brings my total to 13089.28 / 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
    • Homegrown0
    • By Homegrown0 8th Nov 19, 9:13 AM
    • 1,044 Posts
    • 5,593 Thanks
    Homegrown0
    Woo hoo

    Morning

    Cleared my barclaycard balance of 535.31 and cleared my Argos card 126.97

    Brings my total to 13089.28 / 10000
    Originally posted by abba1772
    Holy moly Abba - you're all over it!

    What's next ?
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • Homegrown0
    • By Homegrown0 8th Nov 19, 9:15 AM
    • 1,044 Posts
    • 5,593 Thanks
    Homegrown0
    105.28 paid to credit card today so #02 is declaring...

    8,215.62 / 10,000 (82%)
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target 10,000
    • abba1772
    • By abba1772 8th Nov 19, 1:12 PM
    • 6,407 Posts
    • 25,973 Thanks
    abba1772
    Holy moly Abba - you're all over it!

    What's next ?
    Originally posted by Homegrown0
    Xmas

    I've got a couple of hundred on my Halifax but I'll have that cleared before Xmas but not in a rush who am I kidding I'll probably clear it within a couple of weeks xx
    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
    • xebruary
    • By xebruary 9th Nov 19, 10:32 AM
    • 45 Posts
    • 139 Thanks
    xebruary
    Paid another 100 off the credit card and saved 25 to offset the overdraft.

    #173 Paid 125 = 3,190.53 / 5,938
    • AdventureWanted
    • By AdventureWanted 9th Nov 19, 11:40 AM
    • 1,308 Posts
    • 4,521 Thanks
    AdventureWanted
    #29 checking in. Now at 13,490.60 / 15,000.
    • mark88man
    • By mark88man 9th Nov 19, 3:58 PM
    • 4,484 Posts
    • 11,061 Thanks
    mark88man
    #26 previously reported 7970/8351 in September

    I have saved 3 additional Regular savings = 750
    I have paid off 153 minimum payment
    I have added 1500 for a major car service so not quite done yet

    Therefore reporting in for the end of October 2019 an extra 903 set aside, but 1500 added

    #26 = Money allocated to debt 8873 = 978/9851 to go estimated clearance (Dec 2019).
    Things happen for a reason. Often because we are stupid & make bad decisions.
    Weight/Health - Fluctuating - better than I was worse than I should be
    Mid 19: CC:15K@0% - Car Loan:9K@2.8% - Mort:124K@2.1% = 148K - down 8k year to date
    Decrease in Total Debt 2016:13.4K 2017:8.3K 2018:20K

    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 10th Nov 19, 8:57 AM
    • 527 Posts
    • 2,315 Thanks
    BlackCoffeeNoSugar
    An extra 10 payment to the CC today - 790 left to go
    #04 - 3,371 / 4,161
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Debt at Nov 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 4,161 / 4,161
    • muppets
    • By muppets 10th Nov 19, 7:59 PM
    • 1,007 Posts
    • 6,392 Thanks
    muppets
    Sorry I've not been around to update. Will get this finished this week latest.
    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 10th Nov 19, 8:21 PM
    • 1,007 Posts
    • 6,392 Thanks
    muppets
    Last 250 paid this morning so I am now officially debt free
    I am so thrilled as I haven't been in this position for at least 16 years whoop whoop.

    Thank you to all you lovely people for inspiration and motivation along the way. Xxxxx
    Originally posted by Whatshername
    Congrats
    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 10th Nov 19, 8:23 PM
    • 1,007 Posts
    • 6,392 Thanks
    muppets
    Hi, I know its a bit late in the year but can I join you all? Had a LBM a few days ago and have had a complete change of mindset re: spending so I guess that's a good start. Outstanding debt currently stands at 24,000 but is all in one place with a relatively low rate of interest (about 3.5%).

    I've changed phone/broadband supplier and saved nearly 20 a month, have already reduced gas/elec by lecturing teenagers and banning baths (which should also have a positive knock-on regarding horrendous water rates). I sent back my car which was on PCP and bought a cheap run-around and am doing a car boot sale to get rid of a load of stuff this weekend. I've also signed up to a cash-back card which gives money back on my weekly shopping bill (only 2.5% but every little helps right?). Fortunately I'm in a position to do overtime too, so I'm planning to do at least 2 extra shifts a month which should be sustainable without killing me off.

    Obviously I'm not going to shift the debt by Christmas but I'm going to set myself a tentative 2,000 target. I'm hoping that getting it all down on here and belonging to the group will keep me motivated when it all becomes a little less exciting!

    Long term I'd like to clear the lot within 4 years...
    Originally posted by MaggieMcV

    Welcome you number 211
    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 10th Nov 19, 8:32 PM
    • 1,007 Posts
    • 6,392 Thanks
    muppets
    August Update
    We paid off 16,941.13
    Which is a total of 349,614.75 to date
    which is 23.90% of our target
    We have 211
    members joining us this year

    We have 8 Debt FREE members this year


    Will update front page later
    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 10th Nov 19, 8:39 PM
    • 1,007 Posts
    • 6,392 Thanks
    muppets
    Hello everyone! Please could i join? I'd like to clear my Sainsbury's CC by Xmas!
    Originally posted by ahall3519

    Welcome you are number 212
    What would you like your target to be?
    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 10th Nov 19, 8:42 PM
    • 1,007 Posts
    • 6,392 Thanks
    muppets
    WHOOHOO!!!! I'M DEBT FREE!!!!

    Today has been one of those days where decisions needed to be made. I got so carried away and excited by future plans I decided to bite the bullet and pay off the remaining 650. My CC online statement doesn't show it yet but my debt is GONE!



    Reading everyone's posts has been a huge factor in getting to this point so thank you everyone and good luck on your own journeys


    #89 3855.16/3855.16
    Originally posted by Cariad21
    Congrats
    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
    • Purplemumof2
    • By Purplemumof2 11th Nov 19, 8:33 AM
    • 7,548 Posts
    • 29,133 Thanks
    Purplemumof2
    Sorry I've not been around to update. Will get this finished this week latest.
    Originally posted by muppets
    Glad to see you back muppets, you've been missed xx
    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
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