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  • FIRST POST
    • muppets
    • By muppets 18th Dec 18, 1:24 PM
    • 931Posts
    • 6,060Thanks
    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 MSE Andrea; 15-01-2019 at 4:07 PM.
    PAYDBX 2019 - #01 Pd £11,027.05 / £10,500 - 0.0%
    SPC12 #59
    MFiT-T5 #36
    3-6 mth EF #69
    €4,300 / 15,000
    Mortgage - PD 97,396.82/ 271,495.07 35.87% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
Page 18
    • muppets
    • By muppets 13th Jan 19, 11:42 AM
    • 931 Posts
    • 6,060 Thanks
    muppets
    Hello, latecomer newbie here - hope it isn't too late to join in!

    I WILL definitely be paying off all of my debts this year - I have an inheritance coming in a few months that will more than cover what I owe - but I want to pay off as much as possible by earning more/spending less/selling stuff on ebay so I can spend a good part of my inheritance on buying something nice for myself, as the donor intended.

    So, please put me down for £12,900
    Originally posted by kikamorris
    Welcome you are number 95
    PAYDBX 2019 - #01 Pd £11,027.05 / £10,500 - 0.0%
    SPC12 #59
    MFiT-T5 #36
    3-6 mth EF #69
    €4,300 / 15,000
    Mortgage - PD 97,396.82/ 271,495.07 35.87% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
    • muppets
    • By muppets 13th Jan 19, 11:49 AM
    • 931 Posts
    • 6,060 Thanks
    muppets
    Hi muppets and everyone, i'd like to join this challenge please. I have nearly £10k of credit card debt and I'd like to pay off about half by Christmas so my challenge would be £4,500. Thanks Dx
    Originally posted by Deni debt-free dreamer
    Welcome you are number 96

    Hello, can I join in please? I have £3669.48 to pay off
    Originally posted by ashfan83
    Welcome you are number 97
    PAYDBX 2019 - #01 Pd £11,027.05 / £10,500 - 0.0%
    SPC12 #59
    MFiT-T5 #36
    3-6 mth EF #69
    €4,300 / 15,000
    Mortgage - PD 97,396.82/ 271,495.07 35.87% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 13th Jan 19, 12:09 PM
    • 59 Posts
    • 174 Thanks
    BlackCoffeeNoSugar
    Thanks so much for keeping us all in check Muppets! No easy feat when there are over 300 replies and we're not even halfway through the month! Super effort!
    Debt at November 2017: £8,619 Debt at December 2018: £4,161 Aim for December 2019: £0
    Pay ALL your debt off by Xmas 2019 #04 - £316.03 / £4,161
    • muppets
    • By muppets 13th Jan 19, 12:21 PM
    • 931 Posts
    • 6,060 Thanks
    muppets
    Thanks so much for keeping us all in check Muppets! No easy feat when there are over 300 replies and we're not even halfway through the month! Super effort!
    Originally posted by BlackCoffeeNoSugar

    Thank you for saying that. It was a lot to do
    PAYDBX 2019 - #01 Pd £11,027.05 / £10,500 - 0.0%
    SPC12 #59
    MFiT-T5 #36
    3-6 mth EF #69
    €4,300 / 15,000
    Mortgage - PD 97,396.82/ 271,495.07 35.87% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
    • muppets
    • By muppets 13th Jan 19, 12:31 PM
    • 931 Posts
    • 6,060 Thanks
    muppets
    So I have added everyone to the spreadsheet this morning. All should have numbers now I have posted everyone's numbers in the posts. If you can't see your number, check the front page posts 2 3 4 & 5 they should all be there now If I have missed you, just send me a PM.



    Now we all have numbers can we please remember to either have your number in your signature so I can see it or post it when you update and update like this



    i.e. another £50 paid off so now the total paid off for
    #001 is £315.43/£7685.67


    It just makes it easier and quicker for me to not have to look through 100 names to find you
    Thank you in advance
    PAYDBX 2019 - #01 Pd £11,027.05 / £10,500 - 0.0%
    SPC12 #59
    MFiT-T5 #36
    3-6 mth EF #69
    €4,300 / 15,000
    Mortgage - PD 97,396.82/ 271,495.07 35.87% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
    • a_silver_lining
    • By a_silver_lining 13th Jan 19, 1:46 PM
    • 381 Posts
    • 1,226 Thanks
    a_silver_lining
    #81: 139.98/4K
    = 3.5%


    £5.20 bank interest paid to debt.
    19/12/14: Spent 10 years of savings!!
    ..... to buy my first home.

    2018: 3.6k personal savings --- Family Loan paid 6167.98/ 10K
    Pay debt by Xmas 2019 #81: 167.98/4K
    2019 1% challenge #18= 4.2%
    • ayupmeduck
    • By ayupmeduck 13th Jan 19, 4:06 PM
    • 36 Posts
    • 57 Thanks
    ayupmeduck
    £422 paid of yesterday
    PAYDBX 2019 - #44 [422/3000]

    Credit cards: 1932/422 | Loans: 5523/0 | OD: 1268/0 | Catalogue: 2516/0 | Other: 1430/0
    • lantanna
    • By lantanna 13th Jan 19, 4:30 PM
    • 2,598 Posts
    • 19,590 Thanks
    lantanna
    I can’t wait TIL Friday (payday) so I can make my monthly payments and see that number reduce.
    2019, A year of saving, getting healthy again and turning 40
    £2793.67/£184 debt cleared in 2019 #5o
    GC Feb £170 / £0
    • Cariad21
    • By Cariad21 13th Jan 19, 6:42 PM
    • 4 Posts
    • 26 Thanks
    Cariad21
    Thank you for the welcome Muppets. Four more days and I should be able to make my first over-payment of the year
    Aiming to be debt free in 2019
    • motivated
    • By motivated 13th Jan 19, 6:47 PM
    • 2,403 Posts
    • 5,066 Thanks
    motivated
    Update from me please Muppets

    #31 currently at £275/£7,000

    Well done all
    • sunshine81
    • By sunshine81 13th Jan 19, 8:49 PM
    • 1,394 Posts
    • 7,099 Thanks
    sunshine81
    #145 checking in having paid £32.84 today

    £8886.34 / £27,996.15 (31.74%)

    • WannabeFree
    • By WannabeFree 13th Jan 19, 10:01 PM
    • 2,659 Posts
    • 23,410 Thanks
    WannabeFree
    Payment of £186 today for me

    So

    No 70 £423.50/£2070[/QUOTE]
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • spudsmum
    • By spudsmum 13th Jan 19, 11:56 PM
    • 396 Posts
    • 2,181 Thanks
    spudsmum
    Another £5 to MBNA

    #22 now at £28/£5000
    Originally posted by spudsmum
    Another £20 to mbna

    #22 now at £48/£5000
    Total debts £21050! now £17874.52 . 1% challenge £0/£4000 (0%) Total extra income made in 2018 £3580.79 2019 £0 frugal budget 2019 £0/0 Aiming for debt free at 40 - only 20 months to go!
    • dg1019
    • By dg1019 14th Jan 19, 7:53 AM
    • 171 Posts
    • 787 Thanks
    dg1019
    Another week of PADs puts my total at

    #62 400.38 / 7000
    Last edited by dg1019; 14-01-2019 at 4:23 PM.
    LBM#1 24/07/17 £11763.90 / LBM#2 01/01/19 £13736.25

    PAYDBX2019 #62 500.38/7000
    • abba1772
    • By abba1772 14th Jan 19, 7:53 AM
    • 5,520 Posts
    • 21,096 Thanks
    abba1772
    Morning

    #10 sent £3.10 towards the barclaycard

    Brings my total to £425.91 / £10000
    NEXT TARGET BARCLAYCARD WAS Jan 18 £4299 NOW £4123.85
    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 £13039.59
    POAMAYC 2019 £453.59
    • sunshine81
    • By sunshine81 14th Jan 19, 10:35 AM
    • 1,394 Posts
    • 7,099 Thanks
    sunshine81
    #145 checking in having paid £57.76 today

    £8944.10 / £27,996.15 (31.95%)

    • nohalfmeasures
    • By nohalfmeasures 14th Jan 19, 12:13 PM
    • 4 Posts
    • 26 Thanks
    nohalfmeasures
    Hi,
    Another payment so total for #019 is £328.32/4500
    • scoobysnax40
    • By scoobysnax40 14th Jan 19, 3:50 PM
    • 26 Posts
    • 79 Thanks
    scoobysnax40
    #07 checking in with a 250 payment made yesterday
    LBM: March 2018, Aiming for a DFD of December 2019

    Pay ALL your debt off by Xmas 2019 Challenge #07
    €2,050.00 / €18,250 (11.23%)
    • ali bf
    • By ali bf 14th Jan 19, 4:12 PM
    • 68 Posts
    • 748 Thanks
    ali bf
    a payment of £24 to my Halifax account
    #171
    Argos 138 / 842 Halifax 24 / 2418, Virgin / 4500, Barclaycard 170 / 7359, Tesco 0 / 1362, Tesco / 852, Loan 250 / 1750, Next 52 / 750, Studio 30/30 overdraft 640/640
    Total paid off £1294 / £20223
    • AdventureWanted
    • By AdventureWanted 14th Jan 19, 4:32 PM
    • 1,035 Posts
    • 3,585 Thanks
    AdventureWanted
    £30 cashback sent to CC3 today. Now at #29 £260.00 / £15,000.
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