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spending has gotten out of hand
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i know where you're coming from, i have like 8 debts or something, this is really getting to me, this time about a year ago, I had none. I want to get it down to much less if possible.
What you're saying makes sense though xSave £300 in Jan £515/£300-Lose 10 lbs in Jan- 8/10,Cap One M/C £0/£200,Cap One Visa £0/£200
Aqua £470/£550, Vanquis £477/£1250,Bank of Dad £1668/£3500, legal aid £0 left, Littlewoods 0, Very £306/left,Choice £0/lefthave paid off in January 742.890 -
If you want to clear 2 debts in one month to reduce the number of debtors you have then clear Capital One and Very; as they are still 2 of your highest APR debts. But then the next 2 months clear the Vanquis as that APR is HUGE. Then concentrate on Aqua and so on; then soon you'll just have 0% debts left.MFW 2026 #5007/03/25: Mortgage: £67,000.00
Mortgage:
04/04/26: £33,500
07/03/26: £34,418.15
16/01/26: £56,794.25
02/01/26: £60,223.17
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
Savings: £20,0000 -
thanks for all your brilliant advice. I am paying off my holiday tomorrow and then April will go a long way to debt busting.
I have decided to clear Legal aid and Choice this month as this will get rid of 2 creditors completely. then concentrate on the rest xSave £300 in Jan £515/£300-Lose 10 lbs in Jan- 8/10,Cap One M/C £0/£200,Cap One Visa £0/£200
Aqua £470/£550, Vanquis £477/£1250,Bank of Dad £1668/£3500, legal aid £0 left, Littlewoods 0, Very £306/left,Choice £0/lefthave paid off in January 742.890
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