Cleared

Evenstar20

Cleared for new one.

swfcfan

Good luck you’ve got this 

Doris17

Good luck on your journey,

WinterWarrior

Good luck. That’s a great start! 

Perhaps if you list your income and expenditure people will be able to offer some advice, if that would help you? 

FootyFanDan

Good luck! You can 100% do this

BadBookkeeper

I find the momentum dwindles after the monthly minimum payments are made.  Maybe look at a few challenges on here.  I joined the payment a day challenge knowing everyday my debt will go down!  It just keeps the paying off focus daily and it’s surprising how those little payments add up.  There are also challenges to have non spend days, 1p a day, and numerous others that may be suitable for you.  Good luck 

flapflop

Hello @Evenstar20 we are in a very similar position so I'm hoping we can cheer each other along the bumpy road. I'm rooting for you. 

CreditCardJunkie

That is a lot of money for a bed. Are you able to clear that within the interest free period and still service your debt? Personally I'd have opted for second hand again and make do until debts are paid off. You say you pay off £1200+ per month yet your debt is higher than it was in June 2020.
Sorry if this all sounds negative, we all want you to clear this! Sounds like you need to work on staying within your budget and stop using credit!
I was stuck in a cycle of paying too much off debt and having to rely on it when something went wrong. Only when I made a realistic budget (and stuck to it) did the numbers start coming down!
Also try for a month writing down every single spend, it's horrifying what £10 here and £5 there adds up to over a month.
If you decide to post a SOA others can help show you where money can be saved etc.

Dorisd

I was once where you are and paid off £20,000. Keep visiting the forum, you’ll find great info and inspiration have subscribed to your diary.

WinterWarrior

Great progress ⭐️

jokono

Great progress in the last few months! Why are you not prioritising the interest bearing debts? Will the 0% end soon and move to an even higher interest?