We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Dreaming of being Debt Free
Options
Comments
-
Gonna cost about £500 to repair.
In garage now. Cheaper than a new car.
Altho the advisory list makes me think won't last much longer.
Working on getting rid of my debt FOREVER0 -
Cars back. Cost £545 in the end.
Failed at first, panicked, but they just put the wrong tire on it.
Emergency fund down too £900.
Made it to pay day, with £20 left.
So I've paid off last of Xmas/birthday stuff. Just a party this weekend. Then hopefully a low cost month.
Not really sure what to prioritise now.Working on getting rid of my debt FOREVER0 -
Well done.Gambling Addict - Acting now before it's too late. Gambling losses well over 25k.Current Situation Started Posting in Apil 24:Unsecured Personal Debt - June 2025Natwest CC 0% - £3000 (Cleared November 2024)
Lloyds CC 0% £4500 - £1000
Barclaycard CC 0% £12,567 - £7800
10/6/24 - 16 MonthsGamble Free - Longest in years. Gambling is an illness. Seek help. It is not worth your life.1 -
Not been to good this month so far.
Money just seems to be disappearing.
Still all the bills have been paid.Working on getting rid of my debt FOREVER1 -
Emergency fund is back up to £1500.
Really not sure what I'm doing at the moment. Least I'm not going into debtWorking on getting rid of my debt FOREVER2 -
That's a good amount to have in emergency fund. Hopefully it stays that way and you can get the debts gone. What ones do you have left now?*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Well it's at £2000 now.
Just keep throwing cash in it.
And debts, nothing really, cc gone, UC too. Student loan gone.
Only thing I do have is the loan i got to pay off all partners credit cards. That's like 5500 left I think. Or about 20 months if don't do any over payments
Working on getting rid of my debt FOREVER0 -
Is it normal to still feel skint constantly after paying back so much debt?
Or am I saving too much? And not enjoying enough of it?
Still don't feel in a very secure position financially, but I know I'm in a much better one at least.Working on getting rid of my debt FOREVER1 -
Made it to pay day.
Less than usual came in. Guess it will be another tight month.Working on getting rid of my debt FOREVER0 -
Earlier in your diary you commented that your partner was not on board with the debt reduction / saving - is this still the case?Are they working and paying off their own debt? I see you still have a loan that was used to pay off your partners credit cards - do they contribute to the payment?1
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 598.9K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards