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  • FIRST POST
    • muppets
    • By muppets 4th Dec 17, 4:17 AM
    • 804Posts
    • 5,577Thanks
    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%
    SPC10 #93
    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 60
    • E11ie
    • By E11ie 13th May 18, 9:03 PM
    • 46 Posts
    • 278 Thanks
    E11ie
    #114 checking in with the proceeds of some eBay sales paid towards the debt, new total 5432 / 5596
    Total debts 6471.03 / 5988 all currently on 0% interest
    Make 2018 in 2018 = 930
    Focus on 1% challenge = 60.50
    NSD September = 2 (so far)
    • sunshine81
    • By sunshine81 15th May 18, 10:02 PM
    • 1,238 Posts
    • 6,381 Thanks
    sunshine81
    #145 8630.64 / 19261 (44.81%)
    • abba1772
    • By abba1772 16th May 18, 7:43 AM
    • 5,132 Posts
    • 18,246 Thanks
    abba1772
    Hi guys

    Sent 70 towards the Halifax only minimum payment but it'll be getting tackled properly in July xx

    Brings my total to 4152.74 / 6000
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 2169.82
    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 8951.46
    • AdventureWanted
    • By AdventureWanted 16th May 18, 7:52 AM
    • 741 Posts
    • 2,147 Thanks
    AdventureWanted
    #29 checking in with 6,255.60 / 12,500
    • spudsmum
    • By spudsmum 16th May 18, 1:52 PM
    • 312 Posts
    • 1,766 Thanks
    spudsmum
    And again with another payment of 11.50

    #22 now at 775.50/5000
    Originally posted by spudsmum

    Another 24 to MBNA

    #22 now at 799.50/5000
    Total debts 21050! now 19061.52 . 1% challenge 1296.50/15000 (8.65%) Total extra income made in 2018 2376.58 frugal budget 2018 4952/6000 Aiming for debt free at 40 - only 25 months to go!
    • greent
    • By greent 18th May 18, 8:28 PM
    • 7,337 Posts
    • 74,397 Thanks
    greent
    May Check in for No 15
    Cleared another debt this month

    MAY FIGURES: total paid this month is 1060.98 - meaning YTD total is 13869.38/ 18694.38 (74.2%) for #15

    Running update:

    (OH) VW 9580 - repay all/ May paid 0/ YTD Paid 9580
    (me) HMRC 565.40 - repay all / May Paid 0/ YTD paid 565.40
    (OH) PO CC 3339 - repay all / May Paid 900.00/ YTD paid 3339 (100%)
    (me) Hlfx CC 5209.98 - repay all / May Paid 160.98/ YTD paid 384.98 (7.4%)
    Totals: 18694.38 / Mth paid 1060.98/ YTD paid 13869.38 (74.2%)

    Just the Hfx CC left now and have around 100 towards it so far for June - it WILL be gone this year!

    Also haven't had anything through from Tax Credits as to whether I owe them money - must get paperwork together and phone them.... argh!
    Last edited by greent; 19-05-2018 at 7:56 AM.
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 124616 01/10 104927 01/11 89873 01/12 76317 01/13 52546 01/14 35356 01/15 12133 07/15 NIL
    BTL Mtge 12/16 69786. 2018 OPs (#18) 6100/7500
    Net sales 2018 655.15/1000 PAYDOX18 (#15) Done 18918.90
    • Bigdreams82
    • By Bigdreams82 18th May 18, 9:45 PM
    • 8 Posts
    • 35 Thanks
    Bigdreams82
    4245/10,000

    No 75.
    • sunshine81
    • By sunshine81 19th May 18, 7:39 AM
    • 1,238 Posts
    • 6,381 Thanks
    sunshine81
    #145 8830.64 / 19261 (45.85%)
    • supersaver1000
    • By supersaver1000 19th May 18, 6:57 PM
    • 2,107 Posts
    • 13,206 Thanks
    supersaver1000
    Getting really itchy feet about posting again although I've absolutely nothing to report since last time - sorry everyone.

    But I had a sort out this morning and listed a load of stuff on fleabay, fingers crossed it sells. Also have some jewellery I should sell as I never wear it. That would go straight to the debt.

    So I can only report what I already reported a couple of weeks ago:

    #98 paid 2565/7565 (so 5000 left).
    All CC debt (67% saved) - 100% by Xmas 2018 : Flylady : Grocery club member : Old Style Weightloss lurker
    It's not getting what you want, it's wanting what you've got

    June Grocery Budget 374.86/200 - Completely Debt-free by April 2019 Jan 2019
    • Blackberrycurved
    • By Blackberrycurved 19th May 18, 7:53 PM
    • 95 Posts
    • 645 Thanks
    Blackberrycurved
    Number 17
    i haven't been here for a while but I will try to sort my figures out tonight. I'm struggling since Halifax started charging daily rate for overdrafts. I used to pay about 30 a month and I was chipping away at it. Over the last few months I've paid 57 for the same agreed overdraft I've never gone over it, any ideas how to sort it. I can't afford to pay it off it's 1700 and I got it down to average 1400 now it's back up.
    Blackberry Curved debt free 2018 Number 17 2251/11,000
    Save for Christmas Number 19 90 /365
    1% challenge Number 7 70/110
    • spudsmum
    • By spudsmum 19th May 18, 11:15 PM
    • 312 Posts
    • 1,766 Thanks
    spudsmum
    Another 24 to MBNA

    #22 now at 799.50/5000
    Originally posted by spudsmum

    Another 13 to MBNA

    #22 now at 812.50/5000
    Total debts 21050! now 19061.52 . 1% challenge 1296.50/15000 (8.65%) Total extra income made in 2018 2376.58 frugal budget 2018 4952/6000 Aiming for debt free at 40 - only 25 months to go!
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 20th May 18, 7:54 AM
    • 815 Posts
    • 5,074 Thanks
    swimminginaseaofdebt
    Morning everyone,

    I settled one of my accounts with a 65% discount so #150s updated total is 4149.05/2018.

    I've still got 3 credit cards to pay off so I'll keep going with the challenge but I'm not going to set a new target as I also need to rebuild my emergency fund (used it settle the said account) which will take priority.
    Last edited by swimminginaseaofdebt; 20-05-2018 at 7:56 AM.
    Debt 1 - 182.93/2538
    SPC11 #564
    • LionessInWinter
    • By LionessInWinter 20th May 18, 6:24 PM
    • 397 Posts
    • 2,423 Thanks
    LionessInWinter
    Finally Did It
    #9 checking in to say, we finally did it , 5600 paid out of 5600

    That's only the amount this year, the highest was somewhere in the upper to mid 30k a few years ago. After countless years going up and down in debt but never getting that far, it's done, and we even have some savings. We are in our mid/late 40s and really need to concentrate on increasing our savings

    Thank you all, especially muppets, for running this thread the last few years. I don't post much but I do read often. Best of luck to all of you
    PAYDBX18- #9 5600/5600 consists of 3800/3800 credit card and 1800/ 1800 car
    2018 - 1% challenge #14, each 1% is 56 - paid 100%
    • fire-wannabe
    • By fire-wannabe 21st May 18, 6:58 AM
    • 93 Posts
    • 480 Thanks
    fire-wannabe
    #46 with a payment of 10.32 please Muppets.....house renovations mean I have fallen behind schedule but whilst trying to pay all these other things this debt, which I am treating seperately, has backtracked a bit in the priority list.....slow and steady does it though :-)
    Pay ALL your debt off by Xmas 2018 #46 80/4550
    • AdventureWanted
    • By AdventureWanted 21st May 18, 4:55 PM
    • 741 Posts
    • 2,147 Thanks
    AdventureWanted
    #29 checking in with 6,426.60 / 12,500
    • LLM2018
    • By LLM2018 22nd May 18, 7:40 PM
    • 106 Posts
    • 350 Thanks
    LLM2018
    #78 checking in.

    Total so far is now 569/2494 paid which is 22.81% I believe.
    #21 Make 1% challenge 76.34/100%
    #78 PAYDBX '18 1904/2494
    #6 Crazy clothes challenge
    #19 Surveys pay for Xmas' 18 5
    • Chappie77
    • By Chappie77 22nd May 18, 9:32 PM
    • 178 Posts
    • 789 Thanks
    Chappie77
    A quick check-in as I have been so busy lately...

    #67 - 780.19 paid = 2959.75/7268.47

    Chappie x
    Payment a Day 2018 Very 1701.22/1701.22 Business Barclaycard 633.19/633.19 Hitachi 1489.17/1489.17 MBNA 358.70/3159.01 Saving for Xmas 2018 215/500 Virtual Sealed Pot 2018 370/700 PAYDBX2018 5441.81/7268.47 2 Savers Club 2018 190
    • Megano
    • By Megano 23rd May 18, 8:48 PM
    • 267 Posts
    • 1,174 Thanks
    Megano
    036 with a quick update!

    I FINALLY passed my driving test and Im getting a new car. With the insurance and everything I'm going to be 230 down a month so Im a little bit at the panic stations but it will be worth it.

    So Im not 100% sure Im going to be debt free this year but Im going to give it a good bash.

    Payment of 34.14 made
    Virgin Money 200/1663.90
    TSB 1383.57/2554.50
    BOM 400/930
    Tesco 250/1605
    Total 2234.29/6753.4 33.08%
    • sunshine81
    • By sunshine81 23rd May 18, 8:54 PM
    • 1,238 Posts
    • 6,381 Thanks
    sunshine81
    #145 8838.56 / 19261 (45.89%)
    • spudsmum
    • By spudsmum 23rd May 18, 10:57 PM
    • 312 Posts
    • 1,766 Thanks
    spudsmum
    Another 13 to MBNA

    #22 now at 812.50/5000
    Originally posted by spudsmum
    Another 10.50 to MBNA

    #22 now at 823.00/5000
    Total debts 21050! now 19061.52 . 1% challenge 1296.50/15000 (8.65%) Total extra income made in 2018 2376.58 frugal budget 2018 4952/6000 Aiming for debt free at 40 - only 25 months to go!
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