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Newbie!!! DFW

I’m embarrassed and ashamed to say... I’m in debt :(.

I have about £26k unsecured debt I want to clear ASAP.... any tips... non judgemental advice? I have an ambitious target of 12 months (!?)

any info you need let me know but please no judgement :(


  • BlueJ94BlueJ94 Forumite, Ambassador
    2.2K Posts
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hey, I believe you’ve not gotten a response as it’s been posted in the wrong area! 

    Also, do you have a SOA? Do you know aprs and minimum payments etc? 

    People can advise better once we know your debts and soa! 😊 also, there’s no judgement here. I’ve gained a lot of helpful information and support from the lovely people on this forum 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected] All views are my own and not the official line of MoneySavingExpert.

    Pay ALL Your Debt Off By Xmas 2022! #66 £3805/£4700
    Tilly Tidy 2022 £8.38/£500
    Saving for Christmas 2022 - £1 a day challenge #03 £28.93/£365
    Sealed Pot Challenge #70 - Target £1000

    118 Money £895

  • AspirationAspiration Forumite
    519 Posts
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    This is the right forum to be on as the DFW boards are inspiring and full of like minded people.12 months is an ambitious target but if you’ve got that level of disposable income then that’s brilliant.

    As advised, first step usually is to post an SOA.
    April 2020 - £102,222 Loans/CC’s.

    Jan 2022 - £0
    Cleared - £102,222

    Jan 2022 - Now time to build suitable investments and a business!
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