Debts...

ukguy2k

I have calculated that around after 2 years I will be out of debts - Barclaycard, PayPal Credit, Virgin Money, Lloyds, Sister.

And thats if i dont spend high.

my income £12,500ish from April 2024 till April 2025.. I pay my dad £570+ per month for mortgage, bills etc, Sister £90+ per month for debt and Virgin Media, pay to Barclaycard platinum Credit Card, Virgin Money Credit Card, PayPal Credit, Lloyds Credit Card. 2x O2 sim's, Three network sim.

I earn PayPal for free, Crypto and Gift Cards.  I have Totum Pro 3 years, Student Prime annual, Unidays, Student Beans, Vouchercodes Student, Meerkat.

I occasionally sell on eBay and a Forum.

I give money to online charities, even if its a small amount.

I go shopping in Town and local walking.

I buy my Mum and Dad - Love2Shop gift vouchers, Aldi giftcards, Sainsbury's giftcards, occasional Primark giftcards.

Rob5342

Do you have a question?

Mark_d

You could be debt free sooner if you cancel your SIMs, your subscriptions and your charity subscriptions.  Maybe set up your own pseudo-charity that exist for the purpose of repaying your debts and keeping your costs/expenses low.

leonard_455

You sound like a responsible enough person, you got it kind of figured it out?
I was wondering if you need help with anything specific, maybe you want to be debt free sooner?