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The 6 year plan!

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Comments

  • Evenstar20
    Evenstar20 Posts: 63 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    I've done really well with surveys etc... over the last few weeks hitting my £5 a day minimum target. I'm trying to get more organised with Vinted as we have so much to list, it's one of the best things for us, we get money, clear space and feel like making progress. Well last night I listed 5 new items, all 5 have sold this morning! have to go to 3 different shops to post mind! Nice £20 made and a great start to the day!

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • Rhyddid2026
    Rhyddid2026 Posts: 688 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Amazing news! Well done!
    Debts                04/01/25         01/11/25   
    Natwest2           £6,509.97       £5,700 
    NatWest CC      £7,612.74       £6,755
    Lloyds CC          £6,112.60      £4,815
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,270
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £29,980
  • Evenstar20
    Evenstar20 Posts: 63 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    Pay Day tomorrow! Ended this cycle with £60 left so will be putting this on to my Jaja Card, that will leave me with £200 left to pay on that. Initial budget should have me paying back £1500 next month across all debts. Obviously the more surveys and sales I can get the more likely I am to be able to increase that.

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • ace re the surveys and Vinted sales

    Try one called curiouscat 

    just search it in the app store/googleplay

    I love it when i have a week when i get two-three bits of cashback in/two three drops from curiouscat or qmee and a couple of bits of cash in from vinted.
  • Evenstar20
    Evenstar20 Posts: 63 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    ace re the surveys and Vinted sales

    Try one called curiouscat 

    just search it in the app store/googleplay

    I love it when i have a week when i get two-three bits of cashback in/two three drops from curiouscat or qmee and a couple of bits of cash in from vinted.
    I'll have a look at that, I've not heard of it before.

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • Evenstar20
    Evenstar20 Posts: 63 Forumite
    Part of the Furniture 10 Posts Name Dropper Photogenic
    9 Payments left on student loan. 18 years it will have taken to clear, one of the few things I disagree with Mr Lewis on, this is a debt that can hold you back!

    Currently on 19 Seperate debts. 2 will have gone by end of January, 5 altogether by June

    The rest of the plan will then be re-active to balance transfers etc... but even without pay rises, balance transfers  etc... the debt will be down £20000 by the end of next year!

    Credit Cards - £31050 - £23143

    Loans -  £38938

    Retail - £3752   - £2574

    Family - £6280

  • Sarahwithlove
    Sarahwithlove Posts: 3,420 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Well done on the debt busting sounds like its going well. I cant remember if you said if you pay your student loan by direct debit or from wages. If from wages I'd suggest moving to direct debit to prevent any overpayment. 

    I think student loan depends on how good a job you get as I am unlikely to ever fully pay mine off. 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £760
    *Total debt - £7760/£11641.17*


    Savings
    *Savings Buffer - £500/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
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