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  • FIRST POST
    • muppets
    • By muppets 4th Dec 17, 4:17 AM
    • 830Posts
    • 5,620Thanks
    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 2018 - #01 Pd 8,305.57 / 10,500 - 79.10%
    SPC12 #59
    MFiT-T4 #9
    3-6 mth EF #69
    4,300 / 15,000
    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 53
    • sunshine81
    • By sunshine81 10th Apr 18, 1:10 PM
    • 1,342 Posts
    • 6,763 Thanks
    sunshine81
    I checked my ISA and there was more than I thought, so I've took the extra out to pay off debt - a better chunk today!

    #145 7496.93 / 19261 (38.92%)
    • onedaysomeday
    • By onedaysomeday 10th Apr 18, 5:28 PM
    • 560 Posts
    • 820 Thanks
    onedaysomeday
    Apologies going to have to start fresh as some old debts came out and bit me on the bottom!

    #079 with a total of 5821.34 to pay

    Still determined though
    Just trying to make up for past mistakes and work towards the future I want
    • abba1772
    • By abba1772 11th Apr 18, 8:32 AM
    • 5,401 Posts
    • 20,307 Thanks
    abba1772
    Nothing for me today

    My bank is sitting at a nice even number

    Happy hump day peeps xx
    NEXT TARGET ARGOS WAS Dec 18 391.95 NOW 372.50
    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 12936.54
    • muppets
    • By muppets 11th Apr 18, 12:50 PM
    • 830 Posts
    • 5,620 Thanks
    muppets
    Nothing for me today

    My bank is sitting at a nice even number

    Happy hump day peeps xx
    Originally posted by abba1772
    Whattttttt no payments today

    Happy hump day. xx
    PAYDBX 2018 - #01 Pd 8,305.57 / 10,500 - 79.10%
    SPC12 #59
    MFiT-T4 #9
    3-6 mth EF #69
    4,300 / 15,000
    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
    • abba1772
    • By abba1772 11th Apr 18, 1:19 PM
    • 5,401 Posts
    • 20,307 Thanks
    abba1772
    Whattttttt no payments today

    Happy hump day. xx
    Originally posted by muppets
    I know I feel sooooooo guilty lol might not be able to make a payment tomorrow either but I'll have a big payment towards the Halifax on Friday ...........I promise
    NEXT TARGET ARGOS WAS Dec 18 391.95 NOW 372.50
    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 12936.54
    • sunshine81
    • By sunshine81 11th Apr 18, 8:32 PM
    • 1,342 Posts
    • 6,763 Thanks
    sunshine81
    #145 7511.48 / 19261 (39.00%)
    • motivated
    • By motivated 12th Apr 18, 6:17 PM
    • 2,313 Posts
    • 4,749 Thanks
    motivated
    Evening all

    Finally I can add an update. Payday and I'm now current at

    #31 = 2385.52/5,000

    Some great progress being made on here. Well done all, keep going
    M
    • sunshine81
    • By sunshine81 12th Apr 18, 7:24 PM
    • 1,342 Posts
    • 6,763 Thanks
    sunshine81
    #145 7535.00 / 19261 (39.12%)
    • abba1772
    • By abba1772 13th Apr 18, 7:59 AM
    • 5,401 Posts
    • 20,307 Thanks
    abba1772
    Morning

    Avon customer paid me so sent 36.28 towards the Halifax

    Brings my total to 3946.44 / 6000
    NEXT TARGET ARGOS WAS Dec 18 391.95 NOW 372.50
    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 12936.54
    • elleJay42
    • By elleJay42 13th Apr 18, 12:32 PM
    • 128 Posts
    • 896 Thanks
    elleJay42
    Hi,

    I'm really struggling right now, it's not even half way through the month and I'm posting my last update for April :'( I had planned to be debt free by the end of May and then start saving for the wedding next year but now I'm only a third of the way there and my boyfriend's due me 1800, 1000 of which has been added to my CC and not part of my debt busting... I'm sure it'll get better soon as he's back in a job now but I'm in such a funk about it, every year I try and get rid of this debt and every year I end up back doing this challenge again

    #91 1219.24 / 3500 (34.84%)
    Total debt at LBM = 4861.03

    DFBXmas2018 #91 - 3342 / 3500 (95.4%)

    HTB ISA - 0 withdrawn for house purchase!
    Wedding Fund 2550 / 5000
    • sunshine81
    • By sunshine81 13th Apr 18, 12:58 PM
    • 1,342 Posts
    • 6,763 Thanks
    sunshine81
    It is SO hard elleJay42... keep going... my debt rises when I'm not on here daily and focussed... even 20p a day the debt is reducing....

    Latest from me is #145 7545.00 / 19261 (39.17%)
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 13th Apr 18, 1:43 PM
    • 823 Posts
    • 5,125 Thanks
    swimminginaseaofdebt
    Hi,

    I'm really struggling right now, it's not even half way through the month and I'm posting my last update for April :'( I had planned to be debt free by the end of May and then start saving for the wedding next year but now I'm only a third of the way there and my boyfriend's due me 1800, 1000 of which has been added to my CC and not part of my debt busting... I'm sure it'll get better soon as he's back in a job now but I'm in such a funk about it, every year I try and get rid of this debt and every year I end up back doing this challenge again

    #91 1219.24 / 3500 (34.84%)
    Originally posted by elleJay42
    I think you're doing great. We're a third of the way through the year and you're a third of the way through your original target so on track to get there by the end of the year
    SPC11 #564 - 186.83
    SPC12 #22 - In Progress
    Stars from Sue -
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 13th Apr 18, 2:09 PM
    • 823 Posts
    • 5,125 Thanks
    swimminginaseaofdebt
    Afternoon everyone,

    #150 checking in with an updated total of 895.62/2018.
    SPC11 #564 - 186.83
    SPC12 #22 - In Progress
    Stars from Sue -
    • PartyPoison
    • By PartyPoison 13th Apr 18, 3:13 PM
    • 82 Posts
    • 157 Thanks
    PartyPoison
    #094 checking in.

    525 paid off the credit card this month. Assuming I finish this this year its interest free, and 525 every month will pay it off in November (with an extra 20 or so that month needed).

    So I have now paid 4445.12 of my starting debt of 8143.84 (which I work out at 54.6%) which is the lowest I have seen my debt in years. And now I have a genuine plan in place to pay it off, I can finally see the light!
    2 savers club #54 Current total - 86
    Pay ALL your debt off by Xmas 2018 #094 - 4445.12/8143.94 (54.6%) paid
    Debt as of January 1st 2018: 8143.84
    Debt as of today (13/04/18): 3,698.82

    OYSTON OUT!
    • Rosie75
    • By Rosie75 13th Apr 18, 4:09 PM
    • 590 Posts
    • 652 Thanks
    Rosie75
    Just heard that my union has called off strike action, so I'm now able to put some of the money I've been saving up for living expenses towards my debts instead. Have sent 1066 to the Halifax card, so am back on track for now.

    #088 2763 / 7440
    PAYDBX2018 #088: 7440 / 7440
    • LLM2018
    • By LLM2018 13th Apr 18, 7:17 PM
    • 117 Posts
    • 388 Thanks
    LLM2018
    Hello #78

    I haven't posted in a while but still plugging away at the debt.

    Total so far is 436.62/2494 so far this year.

    #21 Make 1% challenge 79.95/100%
    #78 PAYDBX '18 1994/2494 paid
    #6 Crazy clothes challenge
    1 debt vs 100 days 100/600 so far
    #54 SPC 12 Opening 31st Oct 2019 It will be a total surprise
    • Megano
    • By Megano 13th Apr 18, 8:33 PM
    • 267 Posts
    • 1,174 Thanks
    Megano
    Hi,

    I'm really struggling right now, it's not even half way through the month and I'm posting my last update for April :'( I had planned to be debt free by the end of May and then start saving for the wedding next year but now I'm only a third of the way there and my boyfriend's due me 1800, 1000 of which has been added to my CC and not part of my debt busting... I'm sure it'll get better soon as he's back in a job now but I'm in such a funk about it, every year I try and get rid of this debt and every year I end up back doing this challenge again

    #91 1219.24 / 3500 (34.84%)
    Originally posted by elleJay42
    Its easy to beat yourself up. Trust me Ive been there, but just remember every penny you pay off is another penny you never need to deal with again.
    This is a marathon, not a sprint slow and steady wins the race (or in my case 5th time lucky)
    Virgin Money 200/1663.90
    TSB 1383.57/2554.50
    BOM 400/930
    Tesco 250/1605
    Total 2234.29/6753.4 33.08%
    • Megano
    • By Megano 13th Apr 18, 8:35 PM
    • 267 Posts
    • 1,174 Thanks
    Megano
    036) Payment of 423.75
    Virgin Money 200/1663.90
    TSB 1383.57/2554.50
    BOM 400/930
    Tesco 250/1605
    Total 2234.29/6753.4 33.08%
    • Determined diva
    • By Determined diva 14th Apr 18, 8:24 AM
    • 634 Posts
    • 2,813 Thanks
    Determined diva
    Hi all,

    #92 here checking in with a payment of 317.75 (Capital one credit card payment of 132.75 ,plus 2x bank charges of 95 each!)

    = 2,338.18 paid in total!
    I am going to get those charges again im sure so im going to make sure the money is in for the last month for them to take it and also cancel direct debits and pay over the phone so that I don't get hit with them bouncing again. That will mean I will be 190 up every month going forwards.
    Capital one needs to GO!! It stands at 3.2k so a lot to shift but I cant keep paying the min payment of 132 each month!

    Have a fun filled saturday everyone
    DDx
    Started again 25th December 2017
    Current tracking - 2,338.18/ 18,282.25 to pay off. (14.04.18)
    • sunshine81
    • By sunshine81 14th Apr 18, 9:00 AM
    • 1,342 Posts
    • 6,763 Thanks
    sunshine81
    #145 7550.00 / 19261 (39.20%)
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