£43,800

onehitwonder

Another calculation and total is £44,254

Debtnomoreplease

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 journey

onehitwonder

Thanks for the positive encouragement Debtnomoreplease.


At the moment making looking at June 2022 end date. Hopefully get that down.

One-step-at-a-time

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.

onehitwonder

One-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.

Thanks
Yep, my first target is to be under £40k in August.

onehitwonder

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 down

dawnybabes

More than what you’d be paying off normally so it’s good.

Mummy_bear

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.