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  • FIRST POST
    • muppets
    • By muppets 11th Dec 19, 7:23 PM
    • 1,034Posts
    • 6,526Thanks
    muppets
    Pay ALL your debt off by Xmas 2020
    • #1
    • 11th Dec 19, 7:23 PM
    Pay ALL your debt off by Xmas 2020 11th Dec 19 at 7:23 PM
    Welcome to Pay ALL Your Debt Off By Xmas 2020!

    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 2020.



    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!

    Last edited by muppets; 11-12-2019 at 7:33 PM.
    PAYDBX 2019 - #01 Pd £12,915.19 / £17,000 - 75.97%
    SPC12 #59
    MFiT-T5 #36
    3-6 mth EF #5
    Ä2,445 / 11,100
    Mortgage - PD 100,861.55/ 271,495.07 37.15% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
Page 13
    • misszog
    • By misszog 14th Jan 20, 10:49 AM
    • 7 Posts
    • 41 Thanks
    misszog
    £50 today to tesco cc

    50 / 6500. 0.76%
    • Calling14
    • By Calling14 14th Jan 20, 11:54 AM
    • 3,031 Posts
    • 21,949 Thanks
    Calling14
    Good morning challengers.



    £250 dd out today and extra £100 drained from my bank act


    #16 £400/£2600


    Onwards and upwards
    LBM 13039 1.1.13 Now Jan 2020 £650/2600
    1 X 100 day challenge £650/£1930
    PAYDBX 2020 #16 £650/£2600 EFund #9 £60/£1,000
    Mortgage free Oct 2019


    • Munchin
    • By Munchin 14th Jan 20, 1:05 PM
    • 2,711 Posts
    • 8,906 Thanks
    Munchin
    Hi Muppets

    I'm going to step out of this challenge because I decided to use all my savings and clear my debt - feel like I cheated because I had planned to pay from salary but glad it's gone. Good luck everyone.
    • Eyebright
    • By Eyebright 14th Jan 20, 2:23 PM
    • 934 Posts
    • 4,916 Thanks
    Eyebright
    Hi Muppets

    I'm going to step out of this challenge because I decided to use all my savings and clear my debt - feel like I cheated because I had planned to pay from salary but glad it's gone. Good luck everyone.
    Originally posted by Munchin
    Congrats on your Debt Freedom Munchin!!!
    Could you not stay in the challenge and repay yourself your savings as part of the challenge?
    POAYDBX 2020 #? 0/4000
    1 debt vs 100 days #14 0/1000
    Saving for Christmas 2020 0/500
    EF Saving 145/500
    • Munchin
    • By Munchin 14th Jan 20, 2:52 PM
    • 2,711 Posts
    • 8,906 Thanks
    Munchin
    Hi Eyebright - thank you. That is a great idea as Iím very nervous that Iíve wiped out my savings.
    • lilian1977
    • By lilian1977 14th Jan 20, 3:40 PM
    • 4,664 Posts
    • 18,471 Thanks
    lilian1977
    Hi - another small payment:

    £17.77 / £1114.22 - 1.59%


    My debt free diary
    [/SIZE][/FONT]
    • jammydodgersandrhl
    • By jammydodgersandrhl 14th Jan 20, 6:09 PM
    • 86 Posts
    • 659 Thanks
    jammydodgersandrhl
    Hi,

    I managed a payment of 15.11 today to the credit card. Total now stands at...

    £385.11/£6327.90
    Declutter 2020 - 230/2020
    PAYDBX 2020 £385.11/£6327.90
    365 Saving challenge #37 £50/£671.61
    Credit Card £2834.79/£3000
    Student Overdraft £2000
    Main Bank Overdraft £550/£700
    • Eyebright
    • By Eyebright 14th Jan 20, 6:31 PM
    • 934 Posts
    • 4,916 Thanks
    Eyebright
    Hi Eyebright - thank you. That is a great idea as Iím very nervous that Iíve wiped out my savings.
    Originally posted by Munchin
    I can imagine you must be, but hopefully staying in the challenge will help you focus on replenishing them ASAP!
    POAYDBX 2020 #? 0/4000
    1 debt vs 100 days #14 0/1000
    Saving for Christmas 2020 0/500
    EF Saving 145/500
    • crazy_cat_lady
    • By crazy_cat_lady 14th Jan 20, 6:47 PM
    • 5,346 Posts
    • 48,128 Thanks
    crazy_cat_lady
    Another £31.67 paid today - will update again asap.
    NST January #10 NSD = 10 Pay all your debt off by 2020 #56 £832.98/£10000
    • st182
    • By st182 14th Jan 20, 7:15 PM
    • 56 Posts
    • 230 Thanks
    st182
    Big chunk off car today. Hopefully release some investments soon to offset further. Puts me at:

    #175 = £905 / £6400

    Keep up the good work everyone
    Working on CC3: -£4495 = PYD end 2020 ; CC1: £300 ; CC2: £0 ; Mortgage: £
    • sunflowerlady
    • By sunflowerlady 14th Jan 20, 9:24 PM
    • 53 Posts
    • 89 Thanks
    sunflowerlady
    Iíd like to join please - what do I need to do?
    • miss empty piggy
    • By miss empty piggy 14th Jan 20, 10:43 PM
    • 710 Posts
    • 7,423 Thanks
    miss empty piggy
    Hi Muppets

    I'm going to step out of this challenge because I decided to use all my savings and clear my debt - feel like I cheated because I had planned to pay from salary but glad it's gone. Good luck everyone.
    Originally posted by Munchin
    CONGRATULATIONS
    DFW Nerd No: 600


    £193.07/£300. Jan grocery challenge 2020
    Pay all debts off by Xmas 2020 £125/£6k
    Wombling 2020 £9.64
    • racetozero
    • By racetozero 15th Jan 20, 4:13 AM
    • 1 Posts
    • 6 Thanks
    racetozero
    Hi Muppets and all, I would like to join as well please!

    My total I would like to pay off this year is £12105
    • abba1772
    • By abba1772 15th Jan 20, 8:21 AM
    • 6,484 Posts
    • 26,456 Thanks
    abba1772
    Morning

    Sent £10.93 towards the very account

    Brings my total to £556.13 / £10000
    NEXT TARGET HALIFAX WAS 17.01.20 £2830.48 NOW £2336.57
    POAMAYC 2011 £6378.35 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 £13208.18
    POAMAYC 2019 £13309.28
    POAMAYC 2020 £1065.91
    • Steameh
    • By Steameh 15th Jan 20, 10:42 AM
    • 292 Posts
    • 252 Thanks
    Steameh
    Morning

    That was a looooong slog from December payday to January.

    Paid £896.04 in total between 3 cards.

    MBNA CC - £809.94
    HSBC CC - £50
    Santander CC - £36.10

    #134 - £896.04 / £7,985 - 11.22%
    Last edited by Steameh; 15-01-2020 at 12:53 PM.
    Pay Debt by Xmas 2020 - No.134 - £896.06 / £7,985 - 11.22% Paid

    Pay Debt by Xmas 2019 - No.134 - Target: £15,985.00 / Achieved: £8,000
    • Calling14
    • By Calling14 15th Jan 20, 11:58 AM
    • 3,031 Posts
    • 21,949 Thanks
    Calling14
    Hi Muppets

    I'm going to step out of this challenge because I decided to use all my savings and clear my debt - feel like I cheated because I had planned to pay from salary but glad it's gone. Good luck everyone.
    Originally posted by Munchin

    Thats the best way to be. Good luck with savings challenge next
    LBM 13039 1.1.13 Now Jan 2020 £650/2600
    1 X 100 day challenge £650/£1930
    PAYDBX 2020 #16 £650/£2600 EFund #9 £60/£1,000
    Mortgage free Oct 2019


    • Calling14
    • By Calling14 15th Jan 20, 12:02 PM
    • 3,031 Posts
    • 21,949 Thanks
    Calling14
    Happy Hump day.


    Another £100 off for me today. Have to clear one credit card by the end of the month. So will be here a lot this month if I have any spare money.


    #16 £500/£2600
    LBM 13039 1.1.13 Now Jan 2020 £650/2600
    1 X 100 day challenge £650/£1930
    PAYDBX 2020 #16 £650/£2600 EFund #9 £60/£1,000
    Mortgage free Oct 2019


    • SSD92
    • By SSD92 15th Jan 20, 12:28 PM
    • 28 Posts
    • 78 Thanks
    SSD92
    £50.42 paid since last post.

    £214.25//£4000
    • Wolfsong12
    • By Wolfsong12 15th Jan 20, 6:56 PM
    • 3 Posts
    • 13 Thanks
    Wolfsong12
    £131 paid since last post so now at:

    £131//£2750

    It is a beginning
    Here we go...(at 15 Jan 2020)

    EF #131: 0/£1000, PAYDBX 2020: £131/£2750
    Overdraft £985, cc1 £1684, cc2 £1573, cc3 £3953, mortgage £83,000 Savings £80, Chip £30
    • charlotte1988
    • By charlotte1988 15th Jan 20, 11:33 PM
    • 50 Posts
    • 124 Thanks
    charlotte1988
    First few payments made:

    No. 179 - 95.14/3741.73


    Pay off all your debts by Christmas #179 95.14/3741.73

    Sealed Pot Challenge #140
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