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  • FIRST POST
    • DrSpendLittle
    • By DrSpendLittle 22nd Aug 17, 4:30 PM
    • 208Posts
    • 770Thanks
    DrSpendLittle
    Reducing Debt - being accountable and taking responsibility
    • #1
    • 22nd Aug 17, 4:30 PM
    Reducing Debt - being accountable and taking responsibility 22nd Aug 17 at 4:30 PM
    Hi everyone!

    DFW newbie here! Been a lurker for a while but have been so inspired by reading others' DFW diaries - it's literally all I've done this weekend! - that I decided to take the plunge and join in the fun. Now's the time. Had my LBM a few weeks ago and can't wait to get started

    So, a little about me before I state my financial situation and my goals:
    - a happy, healthy and engaged homeowner
    - settled in my career with a fairly well paid job & annual increment
    - looking at starting a family soon as time is ticking!
    - enjoys sports and the outdoors and a healthy approach to life
    - has just started using YNAB
    - has a 'secret' unsecured debt of just over £10k (2 x cc's)

    About DF
    DF is debt free but doesn't actively save. He seems to spend what he earns which isn't great since we have a tiny mortgage and lowish bills. He had family money passed on to him a few years ago on the advice of his mother's accountants - she would NEVER give it away otherwise. This dosh acts as a financial cushion for him .....and, admittedly, me gosh, it really has meant I've been a wee bit lacking in the old saving malarkey Time to banish this false sense of security!

    About DF and I's financials
    DF and I don't have a joint account. All bills / mortgage come out of his current account except car insurance and broadband/phone which I'm responsible for paying. I give him £465 every month towards bills (includes a deduction for car insurance) and he gives me half of whatever the broadband phone bill is. This arrangement is, on reflection, part of my problem as I have too much 'distance' from the reality of bill payments and direct debits etc etc etc I'm sure you all know the score....

    DF knows I have some debts but isn't really aware of the current status of my 'net worth' He's one of life's worriers so I am taking this DFW journey alone for now. I'm completely settled and happy with this idea and I have been managing it all on my own thus far, so no need to change. I got myself into this situation so I'll be getting myself out of it.

    Why the DFW diary?
    Well, we're thinking of moving home since we could take a few leaps up the ladder. Its time for our dream home. This has caused my LBM. I want my dream home and the only thing stopping me is my poor money management skills! Its also time to move. We've been here a while and have never fully settled.

    My interim goal?
    To clear £4K of debt by January so when we put the house on the market, my debt levels are lower. I obviously also want to make sure we can maximise our borrowing, so I want to demonstrate good money management skills and a good pattern of spending and saving.

    My overall aim
    But, more than this interim goal, I just want to be in control of my money and no longer feel guilty for spending it. I want to save up for things and have that lovely 'I deserve this because I saved for it' feeling when I buy something. I want to be responsible. And, I am here to become accountable.

    My plan of action!
    So....this diary is my way of sharing my story, being accountable for my actions, taking responsibility and doing all this whilst my other half is oblivious!

    I hope you join me on my journey and I look forward to joining you on yours.

    My current financials
    I'll post my current financial situation later today - got some work things to get done before close of play. Its been one of those 'working at home' days which have largely comprised of obsessing over YNAB and lurking on DFW diaries, oh deary me A hint of my procrastinating / self sabotaging ways......

    DSL
    Last edited by DrSpendLittle; 30-09-2017 at 9:20 AM. Reason: I'm a formatting perfectionist :)
Page 11
    • DrSpendLittle
    • By DrSpendLittle 5th Dec 17, 12:19 PM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    DSL,

    I love your round up above. You are such an inspiration.
    Even with the curve balls that have been thrown at you you haven't thrown in the towel. Here's to a fabulous Christmas. And a debt free future.
    Originally posted by wishingthemortgaheaway
    Thanks Wish! And best of wishes to you and yours this xmas too!
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • DrSpendLittle
    • By DrSpendLittle 5th Dec 17, 12:20 PM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    You're doing really well, that's a lot to pay off in a few months .
    Originally posted by HairyHandofDartmoor
    Thanks HDD, feels more since I did the end of July calculation! Looking forward to getting back on track in the new year once all these insurances / dental / housey costs have passed!
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • DrSpendLittle
    • By DrSpendLittle 5th Dec 17, 12:50 PM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    Phone Contract MSE Win
    Hi peeps!

    Not too much to report on the debt slaying front from over the weekend - its that quiet post-payday slump. Still feeling energised from last months round up and the annual debt repayment totals I'm managed for 2017.

    This is the first Christmas since... probably ever, that I've not used my credit card to cover the cost of. Yay. Still wish I could have got my CC2 balance below £8K before the end of the year, but I'm happy to forfeit that for the reward of paying unexpected expenses from my salary and not having to CC them. Dodged a bullet there and I've YNAB to thank for some colourful accounting.

    I'll have to wait for 'Sub 8k' on January 1st.

    I'm still waiting on our contents insurance renewal quote, so I'm looking forward to getting that sorted soon. Must not forget to do the dreaded Inventory Of Stuff.

    I've just one pressie left to buy for xmas - for DF, but he's being indecisive so he'll be getting a piece of coal and a satsuma if he doesn't make his mind up! I've already bought all the xmas booze and chocolates I'll need for various family visits, so I'm confident my budget will hold tight on the remaining pressie. DF can cover his beer and any other wine he wants.

    This month I shift onto a 12 month sim only contract with my mobile provider. I've managed to negotiate a bargainous £5.99 monthly plan deal that gets me 1GB data, 1000 mins and unlimited texts. I already get a 5gb data boost from having broadband/home phone with the same supplier, so have no worries on mobile data. I had initially budgeted for the £10.99 monthly plan but after my 'I reeeeeally want to stay with you but I have to find a deal that best suits my needs and price point' schmooze fest, they gave me a £10 loyalty bonus on a £15.99 monthly plan, so I consider that an MSE win!

    Wait.... maybe I should have negotiated a £10 loyalty discount on the £10.99 monthly plan.... Anyway, here's hoping my handset holds out!

    I've got a work visit in January that can't be pre paid so I've used CC3 to book 'cheaper in advance' travel costs and will 'refund' myself when January's pay comes through and then claim back the cost asap after the visit.

    DSL
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • DrSpendLittle
    • By DrSpendLittle 5th Dec 17, 8:25 PM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    Prolific Academic
    So, I've bitten the PA bug and in just 1.5 evenings of being 'active' on the site, I've made £16.32!

    I've actually quite enjoyed it. But I'm sure the novelty will wear off eventually and I can't see myself being a 'survey' person to raise extra dosh.

    However, for the odd few hours here and there where I have my MacBook open and I'm working on something computer-based and in need of a distraction/procrastination, it may well come in handy. Better that aimlessly surfing the web, which is a habit that I must break.

    I'm using all my cashback for treats - stuff I can't buy on a day to day basis whilst debt slaying. This will most likely be clothes
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 5th Dec 17, 9:33 PM
    • 647 Posts
    • 2,564 Thanks
    wishingthemortgaheaway
    Pa is one of the better survey sites. Some of the studies are really interesting and unusual and not commercial. I'm a. It fed up of 'what do you/don't you like about this advert' type surveys.
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • Shelbi
    • By Shelbi 5th Dec 17, 10:43 PM
    • 641 Posts
    • 1,475 Thanks
    Shelbi
    Hiii DSL

    Just been catching up on your diary, really is inspiring!! Youve made incredible progress since your LBM and I love the monthly reflection post like mini audits. They are fab...sorry to hear about your family member I hope they get better soon and wish them good health! congratulations on the new phone contract thats a serious bargain what a great position to close the year with..you've got this *cheers from the sidelines*

    Shelbi x
    If at first you don't succeed, dust yourself off & try again... Debt at 5th attempt
    step 1-1 debt vs 100days chpt27- £3452.25/£4603.46 (75%)- deadline 29.12.17
    Step2- cc £380.53/£5482.83 (6.94%) (offset £1500savings when mature-31/03/18)- deadline 01.05.2017- 37.99% of total Debt Overall
    • redofromstart
    • By redofromstart 6th Dec 17, 1:27 PM
    • 621 Posts
    • 3,515 Thanks
    redofromstart
    That's really good going on the PA stuff, they rarely seem to have anything for me now.
    • DrSpendLittle
    • By DrSpendLittle 7th Dec 17, 10:33 AM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    Redo - spoke too soon, The PA Drought has hit DSL towers!

    I've £8.06 ready to cash out plus £8.30 pending approval but only had a handful of studies yesterday.

    Hoping it picks back up as I quite like the idea of funding a clothes / treat budget based purely on surveys!
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • enthusiasticsaver
    • By enthusiasticsaver 7th Dec 17, 1:36 PM
    • 4,848 Posts
    • 9,155 Thanks
    enthusiasticsaver
    Looks like you have met your target of paying off £4k by January then. Getting your last credit card below £8k will be good too. Are you still planning on moving next year?
    1 week to go until early retirement. Debt free and mortgage free.

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • DrSpendLittle
    • By DrSpendLittle 7th Dec 17, 5:35 PM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    Hi Enthusiastic, my initial £4K target related only to CC repayments so technically not achieved that but I knocked it on the head last month due to unexpected costs! Still, I'll take the overall £4K repayment goal being achieved

    Yes, still planning on bringing our house to market in January but we've got a bit of decoration to do before then. The plumber has done a grand job but we do need to touch up the place! And get the carpets cleaned as they are desperately in need of it!

    I feel a less urgent need to clear the debt immeditely than I initially documented back in early September, largely because DF now knows about it but also, it turned out not to be the Big Negative for a mortgage application that I initially expected. I'm also enjoying budgeting and 'cash flowing' major expenses so I'm overall feeling much more positive about my financial health. So much so that I've decided from Feb to put £250 aside each month into an EF. This pushes my DFD to August but, after last month, I feel l need a 'cushion' for unexpected expenses.
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Dec 17, 5:48 PM
    • 2,235 Posts
    • 10,753 Thanks
    HairyHandofDartmoor
    A savings cushion is a good idea. I'm obsessed with saving now because I'm so scared of getting into debt again .

    You sound like you've had a big attitude shift since your light bulb moment .

    PA is good but can be irregular.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • DrSpendLittle
    • By DrSpendLittle 7th Dec 17, 5:55 PM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    When the plumber says....
    ."...I'd be lying if I said things were going well"

    That's the kind of day I've had!

    I've had carpets ripped up, floorboards drilled open, radiators taken off the wall, wardrobes moved, beds moved! It's been traumatic, to say the least - there is nothing more anxiety-inducing that seeing three plumbers trying to 'find' pipework around your house, leave a trail of destruction in their wake!

    Waiting nervously for the final invoice, suspect it'll be in the 4 figure territory But our radiators are now working properly and that's the main thing. I wonder why we haven't got it done sooner, to be honest, but such is life.

    The other terrible thing to happen today is I've discovered Clarks Outlet online and their bargainous deals. As someone with incredibly difficult feet, I have always struggled with ill fitting shoes, blisters and indecisiveness over what shoes to take, in case they rub. And I never realised how much more fashionable Clarks have become. So, I may have 'spent' some of my survey/cashback monies already on a couple pairs of shoes that hopefully will actually fit my feet. My logic is it'll open up my warderobe and enable me to wear more outfits from my existing pieces

    And anyway, I'm so exasperated by plumber-geddon that I neeeeeeeded them.

    Right, now to an evening of Putting Things Back. AAAAAAARRRRRRGGGGGHHHH!!!!!!

    DSL
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Dec 17, 5:59 PM
    • 2,235 Posts
    • 10,753 Thanks
    HairyHandofDartmoor
    How awful about the plumbers . Is it just me or are plumbers the messiest of workmen? Anyway if your radiators work then it's not all for nothing.

    I like Clarks shoes. They are quite fashionable, good quality and very comfortable
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • DrSpendLittle
    • By DrSpendLittle 7th Dec 17, 9:35 PM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    Plumbers are messy indeed, HHD! But the one we've got is truly excellent and has provided us with first class service - he was clearly getting annoyed at the shoddy workmanship of the original heating system installer when the house was first built.

    I'm a convert of Clarks. I feel relieved to have found a shoe shop that may actually mean I can wear girly shoes again that don't kill my feet! Gotta watch my wallet!!
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • enthusiasticsaver
    • By enthusiasticsaver 7th Dec 17, 9:39 PM
    • 4,848 Posts
    • 9,155 Thanks
    enthusiasticsaver
    Still at least you now have decent heating. Saving an emergency fund is a good move.
    1 week to go until early retirement. Debt free and mortgage free.

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • DrSpendLittle
    • By DrSpendLittle 8th Dec 17, 9:17 PM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    The Day after Plumber-geddon
    Got the invoice from the plumber and was very surprised because it was half what we were expecting!! Phew phew phew! We can now afford to get the carpets and sofas cleaned and not bankrupt ourselves!

    Today was Putting Everything Back In Its Place but I took the opportunity to have a bloody good sort out of things too and now have a full car ready for a tip trip. I will need to retrospectively book the day off from work as it was meant to be a WFH day. Oooops.

    Tomorrow is more house tidying/cleaning. Will need to hunker down from the impending snowstorm that is due. We have enough food in to last us.

    Not a NSD today as I bought some plastic storage bags (vacuum sucky thingy ones) and an underbed storage canvas bag for stuff that doesn't get used much. The bedroom is much tidier as a result.

    DSL
    Last edited by DrSpendLittle; 09-12-2017 at 3:20 PM.
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • DrSpendLittle
    • By DrSpendLittle 10th Dec 17, 5:47 PM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    Weekend Round Up
    Snowy, much??

    Had a quiet weekend doing some tidying, sorting and spring cleaning in preparation for the carpet cleaners arriving this week. Also caught up on some work, so I no longer feel too guilty about taking time off on Friday!

    Had a couple of NSD's and can't remember the last time I went grocery shopping, which means we're using up quite a lot of food from our freezer plus DF has been doing the wee top up shops this week. Using pork from the freezer for a curry tonight which I hope will last us to tomorrow as well.

    The Cl4rks Outlet shoes arrived and they fit well but do not suit my style whatsoever, so they are going back. Spends to be replaced with a nice (but cheaper!) cardigan which I ordered today. I already assigned the money to my clothes & shoes category in YNAB so I will still use it on that.

    Super excited about the carpet cleaner coming this week and it rejuvenating our house. We've ummed and ahhed about getting new carpets & sofas for some time now, mainly because we can't get them clean enough ourselves to be happy with them (cream coloured, go figure!) and I think cleaning is all they really need as they're still in good condition.

    What else? Not much, a few housey things were delivered on Saturday (mirror and more storage boxes) which DF and I have split the cost of. I feel the organisation of the house is a knock on effect of the organisation of my finances. Well, that and plumber-geddon

    Enjoy the rest of the weekend, Debt Slayers!

    DSL
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • DrSpendLittle
    • By DrSpendLittle 10th Dec 17, 5:58 PM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    Wellbeing
    It's been nearly 5 months since my lightbulb moment and in that time, I've paid £4,530.03 off my debts. And I've never felt richer.

    It's odd. Since I started spending wisely and on things I need rather than want, I've gained an enormous sense of gratitude and contentment for what I already have. Not material things, but more along the lines of experiences, relationships, family, work etc - the things & beings that make us well.

    I feel fulfilled and happy. I can have anything I want, as long as I save for it and prioritize my needs, immediate obligations and yearly expenses. As long as that happens, I'm free to spend my disposable income on whatever I fancy. A coffee, a curry or a cruise!

    Its a very empowering feeling and not something I was expecting from living on a budget and throwing everything at the debt.

    There are ups and downs and frustrations to be had, but I'm (to use the YNAB lingo) rolling with the punches well and taking each 'event' (I don't like using negative language such as 'set back') as it comes and prioritising it accordingly, like dentists or poorly family members or boilers or plumbers.

    I've only cleared 32% of my debt (taking the August figure) so there is stil some way to go, but I feel I'm over the emotional hump and this is now my new way of life.

    DSL
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 10th Dec 17, 8:45 PM
    • 647 Posts
    • 2,564 Thanks
    wishingthemortgaheaway
    You are definitely doing well DSL. I agree about 'never feeling richer' I have the smallest income I've ever had, but the way I choose to spend my money now makes me feel richer
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • DrSpendLittle
    • By DrSpendLittle 13th Dec 17, 7:16 PM
    • 208 Posts
    • 770 Thanks
    DrSpendLittle
    Wednesday Wonderings
    Just checking in to stay on track. We had the carpet cleaners this week and I must say, I'm quite happy with the results. The carpets don't look brand new, since we've had them a long time and haven't really kept on top of cleaning them properly so there is some embedded dust in there, but they do look a lot better, so it was money well spent. After all the housework we've had done this past few weeks, I'm glad to say my house is now looking clean and tidy. Phew.

    I had to pay the plumber and carpet cleaner this week even though the costs were technically assigned to Januarys budget. Argh. I was hoping to delay payment until next week when my January salary comes in, but the invoices were issued almost immediately and I didn't want to delay their payments, especially for small local businesses with Xmas coming up. DF has subbed me (to avoid me going over my overdraft!!) and I'll repay him next week when my January money comes through

    Other than that, everything else is going well - I did an Oc8do shop this afternoon to arrive tomorrow, which is the first proper food shop I've done this month. I've been trying to empty the freezer of food supplies recently and we're nearly done.

    I probably need to catch up on some work this weekend as I've had a few very unsuccessful WFH days with all the tradesman coming in and out of the house and I'm feeling a bit behind. DF is the same, so we'll work together on the kitchen table.

    Still waiting for my haul of cardigans and tops to arrive to try on - I always buy a bunch of stuff to try on if free returns are offered as I'm quite picky about clothes and it gets the order over the 'free delivery' threshold! I'm sticking to my assigned budget for these and anything beyond that which I just can't part with will come off my Xmas money. Then, I'm pretty happy with my wardrobe lasting me until I'm debt free. I hadn't invested in buying winter clothes in quite some time, so I was desperate for warm jumpers and cardigans. I'm pleased with the spends I've managed, using the sales and discount deals.

    DSL
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £1,002.21/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £631.64/£1,894.92
    Total CC Repayments: £2,568.28/£10,690.22 (24.02%) | Total Debt Repayments: £3,200.00/£12,585.14 (25.42%)
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