Would you do it?

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I’ve just gone through my budget for April and I can almost afford to pay off my last two debts (full and final settlement offers) next month.
If I trim down my entertainment budget to £0, and halve my grocery budget I can do it (I’m about £250 short atm)
I really want to do it but I feel guilty for having such a tight month especially over the Easter holidays (I have 3 children)
So would you do it? Or would you save up a bit longer?
I really want to do it but I feel guilty for having such a tight month especially over the Easter holidays (I have 3 children)
So would you do it? Or would you save up a bit longer?
ETA I do have about £700 in my emergency fund, obviously I want to keep that (for emergencies 😂) but it’s there if I need it
Debt was £15,903 😬 Now £2718.14 £0 😲🥳
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If this is an offer that came from the creditor you should be aware that it's just an 'opening offer' and they expect some negotiation.
The smaller debt I only started on today and so far they’ve offered about £275 on a £350ish balance. I’ve offered £100 and said I can pay within 30 days 😬 I’m not sure when I’ll hear if they accept or reject my offer…
Save £12k in 2023 Challenge #8 £12,000/£5100
The 365 day 1p Challenge 2023 #1 £670.00/£72.00
The 365 £1 a day Challenge for Christmas 2023 #43 £1000/£300