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The 6 year plan!
Comments
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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
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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 £29,9800 -
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
2 -
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.1 -
I'll have a look at that, I've not heard of it before.Scott_Weiland79 said: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.Credit Cards - £31050 - £23143
Loans - £38938
Retail - £3752 - £2574
Family - £6280
0 -
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
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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/0
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