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  • FIRST POST
    • muppets
    • By muppets 4th Dec 17, 4:17 AM
    • 787Posts
    • 5,515Thanks
    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 2017 - #01 Pd £10,446.83 / £11,000 - 94.97%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF #69
    Ä4,300 / 15,000 Wombles #24 = 540.20
    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 13
    • Megano
    • By Megano 3rd Jan 18, 10:13 PM
    • 266 Posts
    • 1,167 Thanks
    Megano
    036 just checking in
    Evening Everyone!
    Just checking in with a payment of £6.74 bring the total to £183.06
    Virgin Money £150/£1663.90
    TSB £1292.8/£2554.50
    BOM £400/£930
    Tesco £150/£1605
    Total £1992.80/£6753.4 29.50%
    • Calling14
    • By Calling14 4th Jan 18, 11:03 AM
    • 2,719 Posts
    • 19,808 Thanks
    Calling14
    Happy New Year everyone.

    Thanks for running the challenge Muppets again.

    #16 with a new target £5552 Ouch saying that hurts. Not massive spending but overpaid mortgage 2k and put onto cards, not paying interest on cards, and house 2k new porch, Determined this year to be Debt free and happy.
    LBM 13039 1.1.13 Start 2018 £5552 NOW £2700
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 £2852/£5552 DFD 12/18
    E
    Fund #9 £120/£1,000
    1 x 100 days challenge
    £1327/£2550

    • kazzie_m
    • By kazzie_m 4th Jan 18, 1:21 PM
    • 14 Posts
    • 47 Thanks
    kazzie_m
    £450 paid so my total for #62 is £450 / £7000
    Aiming to be debt free by Christmas 2018!
    • sunshine81
    • By sunshine81 4th Jan 18, 2:02 PM
    • 1,070 Posts
    • 5,711 Thanks
    sunshine81
    This probably won't happen again, but been able to pay off £1115.46 today!

    #145 £2712.90 / £19261 (14.08%)
    • kirtsypoos
    • By kirtsypoos 4th Jan 18, 2:05 PM
    • 3,421 Posts
    • 14,977 Thanks
    kirtsypoos
    Afternoon all!

    #006 checking in with £189.10/£4000 after normal DD and a bit extra to our New Zealand CC
    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
    • LLM2018
    • By LLM2018 4th Jan 18, 4:03 PM
    • 91 Posts
    • 312 Thanks
    LLM2018
    Number 78 checking in for a second time with a second payment to cc of £31.77 so total is £144/£2494 so far. Happy with that. I believe it's approx 5.5% ish paid. Getting there. It's hard work though.
    • abba1772
    • By abba1772 4th Jan 18, 5:48 PM
    • 4,810 Posts
    • 16,737 Thanks
    abba1772
    £7.35 sent towards the Halifax card brings my total to £42.15 / £6000
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    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 £4430.14
    • Ammeretto
    • By Ammeretto 4th Jan 18, 7:05 PM
    • 178 Posts
    • 443 Thanks
    Ammeretto
    Checking in with another £250 paid off today

    #142 £285 / £11,000 = 2.6%
    Debt at LBM (Mar 14) - £29,981.66 + £11,320.91 Car & Bike HP + £799.78 HMRC tax credits = £42,102.35
    Credit card Debt Dec 17 - £11,000
    PAYDbyXMAS2017 #142 - £12,850 / £10,000 - 128.5%
    PAYDbyXMAS2018 #142 - £8,300 / £11,000 - 75.5%
    • foxyloxy11
    • By foxyloxy11 4th Jan 18, 7:31 PM
    • 298 Posts
    • 1,588 Thanks
    foxyloxy11
    i haven't got a number yet but checking in with £115/£6543
    £1000 Emergency fund challenge #225 - £1000.00.00/£1000 Baby Step 1-COMPLETE
    Debt free day October 2019 - End of Baby Step 2 (A work in progress)
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 4th Jan 18, 8:17 PM
    • 756 Posts
    • 4,452 Thanks
    swimminginaseaofdebt
    Evening everyone,

    Sent a wee £1.50 to the credit card today making #150's current total £4/£2018.
    Pay all debt off by Christmas 2018 #150 - £895.62/£2018
    SPC11 #564
    • Megano
    • By Megano 4th Jan 18, 9:21 PM
    • 266 Posts
    • 1,167 Thanks
    Megano
    036) Payment of £8.21
    Virgin Money £150/£1663.90
    TSB £1292.8/£2554.50
    BOM £400/£930
    Tesco £150/£1605
    Total £1992.80/£6753.4 29.50%
    • Mum.Wife.Me
    • By Mum.Wife.Me 4th Jan 18, 10:20 PM
    • 17 Posts
    • 46 Thanks
    Mum.Wife.Me
    I haven't been assigned a number yet but could I please change my target figure (sorry to be a pain) I would like to pay £10,000 by Christmas - thank you xxx
    VERY 54.87/1124.88
    CC1 0/5698.96
    CC2 0/4000(TBC)
    LOAN 0/14240.00
    • klbooth
    • By klbooth 4th Jan 18, 10:37 PM
    • 207 Posts
    • 769 Thanks
    klbooth
    Hi, well I need a kick up the posterior, am sick of treading water and sometimes not quite so afloat as would like to be with my debt. Am in the process of trying to work out where the heck our money goes every month but want to see the back of some credit card debts this year, so this sounds like a good idea. I haven't done this challenge before and I am not sure how to make the flashy numbers but I am sat at £120/£7314
    • Blackberrycurved
    • By Blackberrycurved 4th Jan 18, 11:46 PM
    • 91 Posts
    • 634 Thanks
    Blackberrycurved
    Just wondering how the little bits of money work? I know some on last year!!!8217;s thread were paying nits and bobs off everyday. How does make the debt busting easier? And Muppets does this make keeping track much hay for you? I don!!!8217;t want to do anything to add more work to what must already be an awesome job.
    Blackberry Curved debt free 2018 Number 17 £1607/£11,000
    Save for Christmas Number 19 £90 /£365
    1% challenge Number 7 £70/£110
    • Blackberrycurved
    • By Blackberrycurved 4th Jan 18, 11:48 PM
    • 91 Posts
    • 634 Thanks
    Blackberrycurved
    Terrible predictive text typos
    bits not nits- harder not hay
    Blackberry Curved debt free 2018 Number 17 £1607/£11,000
    Save for Christmas Number 19 £90 /£365
    1% challenge Number 7 £70/£110
    • sunshine81
    • By sunshine81 5th Jan 18, 10:53 AM
    • 1,070 Posts
    • 5,711 Thanks
    sunshine81
    #145 £2739.89 / £19261 (14.23%)
    • kirtsypoos
    • By kirtsypoos 5th Jan 18, 12:05 PM
    • 3,421 Posts
    • 14,977 Thanks
    kirtsypoos
    Just wondering how the little bits of money work? I know some on last yearís thread were paying nits and bobs off everyday. How does make the debt busting easier? And Muppets does this make keeping track much hay for you? I donít want to do anything to add more work to what must already be an awesome job.
    Originally posted by Blackberrycurved
    BC it keeps me motivated as I know the balannces go down every day or every few days - I PAD things that I've saved on, so if food shopping comes in under budget, I use that amount to overpay. Sounds like such small amounts but it ends up adding up and making such a difference!
    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
    • DebtFreeDuo
    • By DebtFreeDuo 5th Jan 18, 12:47 PM
    • 814 Posts
    • 4,184 Thanks
    DebtFreeDuo
    Cleared one of my debts today, I'm a student so only really get the opportunity to do this every 3/4 months. A massive £2050 wiped off my debt today which brings me to:

    2195.88/7445.69
    Debt free by Christmas 2018 #004: 2565.82/7445.69
    £2018 in 2018 #25: 674.21/2018
    SPC 586
    • abba1772
    • By abba1772 5th Jan 18, 1:54 PM
    • 4,810 Posts
    • 16,737 Thanks
    abba1772
    Just wondering how the little bits of money work? I know some on last year!!!8217;s thread were paying nits and bobs off everyday. How does make the debt busting easier? And Muppets does this make keeping track much hay for you? I don!!!8217;t want to do anything to add more work to what must already be an awesome job.
    Originally posted by Blackberrycurved
    I try to make a payment a day by rounding my account down to the nearest £10 I have found it makes a big impact on my debt throughout the year as it all adds up

    I've done this for two years now and I swear by it xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    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 £4430.14
    • abba1772
    • By abba1772 5th Jan 18, 1:55 PM
    • 4,810 Posts
    • 16,737 Thanks
    abba1772
    Sent £6 towards the Halifax account brings my total to £48.15 / £6000
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    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 £4430.14
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