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 :(


  • jadewest94jadewest94 Forumite
    897 Posts
    500 Posts Third 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 
    Debt free by March 2022🤞
    Pay off all your Debt by Christmas 2021 Number 66 (£675.63/£6193.30)

    Marbles £250 Paid In Full 24/06/21
    Aqua £488
    Fluid £280
    Vanquis £549
    Barclaycard £290.03
    Ocean Finance £183.24 Paid in FULL as of 02/02/21 
    Capital One £190.53 Paid in FULL as of 27/02/21 

    Likely Loans £928.16 
    118 Money £2085.84
    Five Lamps £778.01

    Total debt £6193.30 at the very start of DFW Journey.
    Current debt £5,399.04
  • AspirationAspiration Forumite
    463 Posts
    Part of the Furniture 100 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.

    Loan (Z) £25,000 now £9,100. NW loan £22k Now £17,200.
    W - MBNA £15,500 now £14,420. Lloyds £8800 Now £7875.
    April 2020 - £102,222
    June 2021 - £48,595
    Cleared - £53,627
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