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The end of credit card is in sight*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
I think the Emergency Fund is also different for everyone. At the start of your debt busting then yes it would include something like the tumble dryer giving up but once debts are out of the way then it is a good idea to have a Household Goods pot (sinking fund) so that if that happened you'd have the money there and not need to touch the EF. Hope that makes sense.0
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