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£43,800
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Another calculation and total is £44,254
Debts: Virgin Card [STRIKE]£5,600[/STRIKE] £5,636, First Direct [STRIKE]£7,700[/STRIKE] £7,000, Halifax [STRIKE]£3,200[/STRIKE] £3,810, Halifax Clarity [STRIKE]£755[/STRIKE] £711, Tesco [STRIKE]£4,005[/STRIKE] £4,450, MNBA [STRIKE]£6,700[/STRIKE] £6,580, Loan [STRIKE]£15,834[/STRIKE] £15,218 Total: [STRIKE](45K at highest) £43,794k[/STRIKE] £43,4050 -
Hi, Keep going, you will be making huge dents in your debt before you know it. It's not nice to re-calculate and it not be as good news as you thought, but it's better to know exactly where you stand.
This time next year, your debt could be under £30,000 (maybe more) and that will be amazing! Just keep going and remember although it seems along time, it's not forever.
All the best on you journey0 -
Thanks for the positive encouragement Debtnomoreplease.
At the moment making looking at June 2022 end date. Hopefully get that down.Debts: Virgin Card [STRIKE]£5,600[/STRIKE] £5,636, First Direct [STRIKE]£7,700[/STRIKE] £7,000, Halifax [STRIKE]£3,200[/STRIKE] £3,810, Halifax Clarity [STRIKE]£755[/STRIKE] £711, Tesco [STRIKE]£4,005[/STRIKE] £4,450, MNBA [STRIKE]£6,700[/STRIKE] £6,580, Loan [STRIKE]£15,834[/STRIKE] £15,218 Total: [STRIKE](45K at highest) £43,794k[/STRIKE] £43,4050 -
Keep going, you will get there! I am in a similar boat - I set myself mini-targets, update my spreadsheet after every overpayment (no matter how tiny) and tell myself this is only temporary and every day is a day of unlearning bad habits and instilling good ones.Debt-free August 21, Mortgage-neutral April 240
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ThanksOne-step-at-a-time wrote: »Keep going, you will get there! I am in a similar boat - I set myself mini-targets, update my spreadsheet after every overpayment (no matter how tiny) and tell myself this is only temporary and every day is a day of unlearning bad habits and instilling good ones.
Yep, my first target is to be under £40k in August.Debts: Virgin Card [STRIKE]£5,600[/STRIKE] £5,636, First Direct [STRIKE]£7,700[/STRIKE] £7,000, Halifax [STRIKE]£3,200[/STRIKE] £3,810, Halifax Clarity [STRIKE]£755[/STRIKE] £711, Tesco [STRIKE]£4,005[/STRIKE] £4,450, MNBA [STRIKE]£6,700[/STRIKE] £6,580, Loan [STRIKE]£15,834[/STRIKE] £15,218 Total: [STRIKE](45K at highest) £43,794k[/STRIKE] £43,4050 -
Reduced by nearly £400 this month. Not good really as thought I would pay off more. It's a start though and only around 10 more years at this rate to clear the debt.
Hoping to accelerate the repayments over the coming months though to bring the end-date downDebts: Virgin Card [STRIKE]£5,600[/STRIKE] £5,636, First Direct [STRIKE]£7,700[/STRIKE] £7,000, Halifax [STRIKE]£3,200[/STRIKE] £3,810, Halifax Clarity [STRIKE]£755[/STRIKE] £711, Tesco [STRIKE]£4,005[/STRIKE] £4,450, MNBA [STRIKE]£6,700[/STRIKE] £6,580, Loan [STRIKE]£15,834[/STRIKE] £15,218 Total: [STRIKE](45K at highest) £43,794k[/STRIKE] £43,4050 -
More than what you’d be paying off normally so it’s good.Sealed pot challenge 822
Jan - £176.66 :j0 -
Good luck with your debt busting.
Documenting everything in a diary has helped me get the bug for reducing my debt.
It's slow but in the right direction.My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £46444.23 :eek:£40773.61 /£46444.23 87.8% paid0
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