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  • FIRST POST
    • mooomin
    • By mooomin 10th Apr 09, 8:37 AM
    • 13,655Posts
    • 134,514Thanks
    mooomin
    The Debt Free Birthday Club Challenge!
    • #1
    • 10th Apr 09, 8:37 AM
    The Debt Free Birthday Club Challenge! 10th Apr 09 at 8:37 AM
    Hi everyone!

    I was doing some calculating last night and realised that I am going to be thirty in 1 year 249 days (As of todays date) which is just less than 88 weeks away. I would like to be debt-free on my thirtieth birthday and start my thirties as I mean to go on with my life - with no debt.

    Once I set this challenge for myself, I realised that I wanted this to be more than a personal challenge for me. Those of you who have seen me on the boards will know that I love a group challenge (You'll see that in my signature!) and the support we DFWs get from each other is invaluable.

    So, not to discriminate and only call this the Debt Free By Thirty Challenge, join in one and all. You want to be debt-free by a certain milestone, comment away! Let us know how much debt you are aiming to clear and what your Debt-Free date will be.

    The Rules

    1. Let us know how much debt you want to clear
    2. Let us know your target date and why it's significant to you
    3. Keep us updated on your progress

    That's it! I'm not really a "rules" kinda gal

    I'm off to do some calculating and then will start another post for all the challenge joinees - hopefully there will be more than just me! This will be the first challenge I have started, so please be kind!

    flying_fresian


    List of Useful Resources

    It might be of use to you if you are joining the challenge (Or if you're lurking around the boards!) to know that this forum has a great selection of ways to help you. Please see the links below for ways to save you money or make you money and help you achieve your dream of being debt-free that little bit sooner...

    SOA Calculator Use this to work out your monthly budget. If you haven't done so already, post this on the Debt Free Wannabee board for advice and support from other DFWs.

    Snowball Calculator Use this to figure out the best and most cost-effective way to clear debts

    Spending Diary Don't like carrying round a pen and a bit of paper, this site is for you! Keep a note of all your spends on here and it will sort it out into nice little pie charts for you to show where your money is going. A really good, free site.

    A Payment A Day This genius little thread has helped me pay off 2,000 in four months - money I would have said I didn't have spare. Check it out and take the plunge!

    Sealed Pot Challenge
    Get a pot/tub/box/bottle and fill it with change. Open it in December and see what you have made. Some save to clear debts, I'm hoping to pay for Christmas with mine!

    Things You Never Thought You Could Sell Thread
    If you're thinking of going down the Ebay route, look at the nonsense that this lot sold!

    Up Your Income Thread Full of useful ideas on how to make extra cash

    Old Style Board
    If you post a SOA you will see lots of people sending you to the OS board for ideas, these people know thrifty, and they will save you money!

    Local MoneySaving, for local people! MoneySaving in your local area.

    If I have missed something that you feel should be in the list of resources, either comment or PM me and I will add it in. Huge thanks for Hopeful1 for showing me how to do lovely links

    Last edited by mooomin; 13-04-2009 at 8:28 PM.
    Comping again


    Wins this year: - two night trip to Belgium, 100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
Page 1
    • mooomin
    • By mooomin 10th Apr 09, 8:40 AM
    • 13,655 Posts
    • 134,514 Thanks
    mooomin
    • #2
    • 10th Apr 09, 8:40 AM
    Challenge members
    • #2
    • 10th Apr 09, 8:40 AM
    1. flying_fresian aiming to clear 6993.88 by 15th December 2010 (30th birthday).
    2. Hopeful1 aiming to clear 22,655 by her 40th birthday in 2014
    3. Purpleclutterbuck aiming to clear 26,854 by December 2019
    4. Panambi aiming to clear 19,544 by November 2010 (35th birthday)
    5. BabyBetty aiming to clear 26,425.48 by July 2010
    6. shopgirl2512
    aiming to clear 8,740.27 by December 2010 (35th birthday)
    7. SarahNeedle1872 aiming to clear 5,901.87 by March 2010 (30th birthday)
    8. Mappygirl aiming to clear 28,491 by June 2012 (30th birthday)
    9. Silaqui aiming to clear 6,278 by 28th July 2010 (26th birthday)
    10. Pippo aiming to clear 28,022.53 by November 2011
    11. laura2481 aiming to clear 5,744 by 1st April 2011 (Last day of twenties!)
    12. paybacktime2008 aiming to clear 9,297.62 by April 2011 (40th birthday)
    13. Intergalactic Floozie aiming to clear 1,800 by April 11th 2010
    14. 40somethingmum aiming to clear 45,000 by March 2015 (50th birthday)
    15. Luckycharm aiming to clear 5675.03 by 31st December 2009 (Happy New Year!)
    16. elsie52 aiming to clear 51,000 by June 2012 (60th birthday)
    17. nickynoo08 aiming to clear 6,000 by August 2011 (30th birthday)
    18. Hopeful34 aiming to clear 5,500 by September 2010 (36th birthday)
    19. clarabella23 aiming to clear 5,000 by July 2010
    20. wigwam aiming to clear 22,752 by July 2014 (40th birthday)
    21. Seaxwyn aiming to clear 35,000 by January 2014 (50th birthday)
    22. FeeFee aiming to clear 6,800 by January 2010 (35th birthday)
    23. shrimpy_80 aiming to clear 8,667.24 by 28th November 2010 (30th birthday)
    24. kashton aiming to clear 14,908 by December 2011 (40h birthday)
    25. EverTheOptimist aiming to clear 2,850 by April 2010
    26. ehallett aiming to clear 33,195.75 by April 2011 (30th birthday)
    27. zigmester aiming to clear 2,000 by 2010 (21st birthday)
    28. Candiflosss aiming to clear 7,749.35 by 17 March 2011 (40th birthday)
    29. hypno06 aiming to clear approx 33,000 by November 2010 (40th birthday)
    30. Maisie M aiming to clear 11,375.61 by October 2009 (41st birthday)
    31. *Jellie* aiming to clear 8,368.08 by April 2010 (37th birthday)
    32. nikki02 aiming to clear 6,600 by October 2010 (30th birthday)
    33. savingholmes aiming to clear 18,648 by May 2010 (40th birthday)
    34. LondonAndy aiming to clear 23,650 by 28th July 2011 (32nd birthday)
    35. cashless_wonder aiming to clear 2,600 by 6th February 2010 (35th birthday)
    36. cady aiming to clear 1,280 by 29th September 2009 (Baby's due date!)
    37. tjretro aiming to clear 10,700 by 3rd May 2014 (30th birthday)
    38. Buffythedebtslayer aiming to clear 15,766 by March 2010 (34th birthday)
    39. poppyjoe aiming to clear 14,671.34 by 28th December 2010 (31st birthday)
    40. Aimee-lou aiming to clear 13,400 by 7th September 2011 (28th birthday)
    41. runmichellerun aiming to clear 10,000 by August 2011 (32nd birthday)
    42. howskint? aiming to clear 7,556.59 by February 2010
    43. savvykaz aiming to clear 8,000 by January 2013 (45th birthday)
    44. sazzab aiming to clear 11,417.99 by August 24th 2010 (40th birthday)
    45. tirlittan aiming to clear 12,162.05 by November 2011 (33rd birthday)
    46. bigbeff aiming to clear 3,350.48 by 22nd June 2010 (28th birthday)
    47. catspaw aiming to clear 5,000 by
    29th September 2010 (39th birthday)
    48. keza aiming to clear 11,041.66 by 15th November 2010 (25th birthday)
    49. amberowl28 aiming to clear 2,348.21 by 2 August 2010 (24th birthday)
    50. Vicster5 aiming to clear 2,197.19 by 1st January 2010 (Happy New Year!)
    51. sashanut aiming to clear ??? by 29th September 2010 (OHs 50th birthday)
    52. rictus123 aiming to clear 2,000 by June 2010 (19th birthday)
    53. Purpleroses aiming to clear 3,138.63 by February 2010 (26th birthday)
    54. Punkygoth aiming to clear 3,649 by February 14th 2010 (Anniversary of moving to Cornwall!)
    55. roxiepie aiming to clear 1,500 by 16th September 2009 (27th birthday)
    56. moneymabel aiming to clear 5,279 by 3rd April 2012 (40th birthday)
    57. Bells&Whistles aiming to clear 25,999.58 by November 2012 (30th birthday)
    58. ally_bally aiming to clear 4,000 by April 4th 2010 (30th birthday)
    59. Sally22 aiming to clear 16,000 by January 2012 (25th birthday)
    60. Mikeone aiming to clear 23,861.53 by 29th February 2012 (8th birthday - leap year!!)
    61. ruby1968 aiming to clear 36,139.58 by 23rd July 2018 (50th birthday)
    62. Woowoo aiming to clear 16,480 by July 2012 (32nd birthday)
    Last edited by mooomin; 11-04-2010 at 1:54 PM. Reason: Ooh, new people!
    Comping again


    Wins this year: - two night trip to Belgium, 100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
  • Hopeful1
    • #3
    • 10th Apr 09, 8:57 AM
    • #3
    • 10th Apr 09, 8:57 AM
    Ok, f_f, your enthusiasm has got me I'm going to work out my total debt properly and i'll be back to add it on here later
    One step at a time
  • Hopeful1
    • #4
    • 10th Apr 09, 9:30 AM
    • #4
    • 10th Apr 09, 9:30 AM
    Ok *deep breath* my total debt is 22655

    I want to be totally debt free by the time i'm 40 in 5 years time.

    I have listed all my debts and how much i need to pay per wk / month to achieve this.

    I have then broken things down a little more to give me more encouragement.

    I have set myself the following targets:

    to clear 722 in 6 months
    to clear a further 1300 in 12 months
    to clear a further 10488 in 48 months
    and the final 10155 in 60 months

    and then i'll be debt free

    Phew!!!
    One step at a time
    • Purpleclutterbuck
    • By Purpleclutterbuck 10th Apr 09, 10:02 AM
    • 440 Posts
    • 5,210 Thanks
    Purpleclutterbuck
    • #5
    • 10th Apr 09, 10:02 AM
    • #5
    • 10th Apr 09, 10:02 AM
    I would love to join but fear that my age will be a problemo. I've just had to take early retirement due to poorly-itus but only got half pension!!!! However I could work to reducing debts by say %% ie 55 shock horror!!!! but I only feel 40 would this still count ???Please advise Flying-fresian and Hopeful1
    May you fill up the great clutterbucket of life and may all of your leaks be in cheese sauce
    Use it up, wear it out, make it do or do without
    • mooomin
    • By mooomin 10th Apr 09, 10:04 AM
    • 13,655 Posts
    • 134,514 Thanks
    mooomin
    • #6
    • 10th Apr 09, 10:04 AM
    • #6
    • 10th Apr 09, 10:04 AM
    I would love to join but fear that my age will be a problemo. I've just had to take early retirement due to poorly-itus but only got half pension!!!! However I could work to reducing debts by say %% ie 55 shock horror!!!! but I only feel 40 would this still count ???Please advise Flying-fresian and Hopeful1
    Originally posted by Purpleclutterbuck
    Age is but a number!

    I think it's good to have a date (and we don't have to mention your age again, honest!) to aim for, so let me know your Debt Free Date and the debt you hope to clear and I will add you to the list of troublemakers challenge members
    Comping again


    Wins this year: - two night trip to Belgium, 100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
  • Hopeful1
    • #7
    • 10th Apr 09, 10:07 AM
    • #7
    • 10th Apr 09, 10:07 AM
    2. Hopeful1 aiming to clear 22,655 by her 40th birthday in 2014
    Originally posted by flying_fresian
    OMG can we have a reduce your age challenge please? I can't believe i'm going to be 40. It's really freaked me out seeing it written down like that - more than my total debt figure did

    Peggy, you've got to do what's manageable. I would say reduce your debt by a certain milestone is cool, but i shall leave F_f to clarify as it's her special challenge thread I'm sorry your struggling with ill health too x

    F_f has already answered - i'm so slow!! Oi f_f what do you mean troublemakers?
    Last edited by Hopeful1; 10-04-2009 at 10:08 AM. Reason: add a bit
    One step at a time
    • Purpleclutterbuck
    • By Purpleclutterbuck 10th Apr 09, 10:20 AM
    • 440 Posts
    • 5,210 Thanks
    Purpleclutterbuck
    • #8
    • 10th Apr 09, 10:20 AM
    • #8
    • 10th Apr 09, 10:20 AM
    If age were my shoe size I'd be 4!!!!!!! Thankyou for your understanding! I am just going to work the figures out but I want to get rid of these so far ;
    To clear 1854 in 12 months
    To clear next 5000 in 24 months
    I really need to aim to be debt free by the time I retire OMG in 10 years boooooohoooo I want to be 25 again sob
    May you fill up the great clutterbucket of life and may all of your leaks be in cheese sauce
    Use it up, wear it out, make it do or do without
    • Purpleclutterbuck
    • By Purpleclutterbuck 10th Apr 09, 10:29 AM
    • 440 Posts
    • 5,210 Thanks
    Purpleclutterbuck
    • #9
    • 10th Apr 09, 10:29 AM
    • #9
    • 10th Apr 09, 10:29 AM
    Peggy? I thought it was only me who was losing it!!! Confused little troublesome old lady say"do not worry about age just get younger partner to pay debts!!!!!"
    But seriously folks get on with enjoying this wonderful life and SMILE GIGGLE SMILE AND LAUGH!!!
    May you fill up the great clutterbucket of life and may all of your leaks be in cheese sauce
    Use it up, wear it out, make it do or do without
  • Hopeful1
    Peggy? I thought it was only me who was losing it!!! Confused little troublesome old lady say"do not worry about age just get younger partner to pay debts!!!!!"
    But seriously folks get on with enjoying this wonderful life and SMILE GIGGLE SMILE AND LAUGH!!!
    Originally posted by Purpleclutterbuck
    lol i know some who's called peggy clutterbuck! easily confuddled me!
    One step at a time
  • Busterollie
    A new diary for me to follow
    1. flying_fresian aiming to clear 6993.88 by 15th December 2010 (30th birthday).
    2. Hopeful1 aiming to clear 22,655 by her 40th birthday in 2014
    Originally posted by flying_fresian
    Hi,

    I love to read your F-F diary and now I have another one to follow - yeah! My 30th birthday is a distant memory but hey-ho my shoe size makes me 6 so I'll stick with that one for today as I WANT to eat chocolate as I have come down with a cold!!
    • Purpleclutterbuck
    • By Purpleclutterbuck 10th Apr 09, 10:44 AM
    • 440 Posts
    • 5,210 Thanks
    Purpleclutterbuck
    Sorry to go on but I think you are both brilliant to knuckle down and take control of you life so positively !!!
    Anyhoo the date for me is December 2019 however I'm aiming for a much earlier date wth you lot behind me- thanks
    May you fill up the great clutterbucket of life and may all of your leaks be in cheese sauce
    Use it up, wear it out, make it do or do without
    • Purpleclutterbuck
    • By Purpleclutterbuck 10th Apr 09, 11:19 AM
    • 440 Posts
    • 5,210 Thanks
    Purpleclutterbuck
    My debt free date is December 2019 on my %% (62!) birfenday and the amount is 26854 for your records
    gulp! gasp! I need jellybabies! I need choccy! mmmmchomp flying-fresian many many thanks
    Hi to Busterollie
    Fiona x

    May you fill up the great clutterbucket of life and may all of your leaks be in cheese sauce
    Use it up, wear it out, make it do or do without
  • panambi
    Hi f_f, I think I will join your challenge, and what a challenge it will be! Me and OH will be 35 in November 2010, so - can we be debt free by then??? Hmmm - not sure about that but will have a little play with numbers and work out our exact amount of debt as it stands today and we shall see - would be nice though! Will defo come back later!!!
    LBM 31/01/2009: 19,422
    Chrimbo crackers: 207.17/510
  • bigbum
    Bl00dy hell Flying_Fresian, as if i need another reason to be on this website.

    I'll work out what's owed and share it with you all. Then i'll down a few ales to work up the courage to post my age.

    Thanks for this new thread.
    Last edited by bigbum; 10-04-2009 at 11:39 AM.
    • BabyBetty
    • By BabyBetty 10th Apr 09, 11:44 AM
    • 190 Posts
    • 712 Thanks
    BabyBetty
    Flying_Fresian,

    I think your challenge is great. I have been thinking for some time about aiming to be debt free by July 2010. I currently have 26,425.48 in debt. I have never been serious about the debt but seeing my money go to paying off debt instead of savings or having a good time drives me crazy.

    Ever heard the saying "the borrower is slave to the lender" - that is how I feel.

    I am also doing the pay off 20,000ish by dec 2009. I am checking the boards every so often just to stay motivated.

    Thanks everyone for the great posts.

    Sorry forgot to mention I'm 44 (I'm not bothered about the age when I get debt free, just want it to be soon) - so before my 46 birthday should be debt free.

    BB
    Last edited by BabyBetty; 10-04-2009 at 11:46 AM.
    Original debt at LBM July 2008, 47, 654.34. Debt at January 2016, 21,443. Barclaycard 9,0008,756, Tesco cc 30001,136. Debenhams storecard 350263, OD 3,500 3,000, Corp Tax 3,036, Study loan 1,750, Smaller debts 2,000.

    Since my LBM I have not been fully committed so now I have had a 2nd LBM.
    Aiming to be debt free by December 2016
    • mooomin
    • By mooomin 10th Apr 09, 12:09 PM
    • 13,655 Posts
    • 134,514 Thanks
    mooomin
    Welcome to purpleclutterbuck, panambi and BabyBetty

    You're all on the list of challengers now, so there's no escape. Mwaahahahahaaaa!
    Comping again


    Wins this year: - two night trip to Belgium, 100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
    • mooomin
    • By mooomin 10th Apr 09, 12:11 PM
    • 13,655 Posts
    • 134,514 Thanks
    mooomin
    BabyBetty - in case anyone missed your signature, I have copied and pasted the following:

    Debt at November 2008, 40,737.84 at April 09, 26,425.48

    Wow, just wow. You have done amazingly well already


    Well done again!
    Comping again


    Wins this year: - two night trip to Belgium, 100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
    • mooomin
    • By mooomin 10th Apr 09, 12:17 PM
    • 13,655 Posts
    • 134,514 Thanks
    mooomin
    This is my little debt ticker - the total I have repaid since November is over 20% of my original total debt




    If you click on the ticker it should let you go in and make your own!

    Comping again


    Wins this year: - two night trip to Belgium, 100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
  • shopgirl2512
    Hi there!

    I was wondering if I could join in...I was a MFW, but due to 'stuff' I am now back to paying of sizeable debts...boo! I will be 35 in Dec 2010, so would love to be debt free by then...Any chance you could take in another?!?!

    I'll do some maths and let you all know the sad number later!
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