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Paying off £37065 unsecured debt by July 2027 while continuing to travel this amazing world

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Comments

  • Nintud
    Nintud Posts: 554 Forumite
    Tenth Anniversary 500 Posts Name Dropper Photogenic
    Confession time. I’ve paid £2.16 off Very from a Vinted sale and Monzo cash back, but added £44.

    In my defence, the spending was on two Christmas presents for my grandchildren and a scooter and PJs for two Christmas appeals that I donate to annually. Paying off debt is great, but I still want to give to others when I can. I’ll knuckle down on my Vinted uploads to compensate.  I could have spent less on the gift donations, but there’s a child out there that will have a better Christmas for opening a ‘big’ present rather than a colouring set (lots of those donated, and no disrespect to anyone donating what they can in these tough times) and another child will sleep in warm PJs that will last a good few washes. Plus, it makes me feel all fuzzy and warm inside (so forget the altruism here) just knowing a kiddo will be out scooting in the fresh air.

    One more donation gift to buy for an organisation I volunteer for that delivers food parcels to housebound older folk. I’m stumped on that one. Last year I think I donated an electric throw, I’m afraid the budget is more tea towel this year..  All suggestions welcome, ideally something for a gent, as lots get donated for the ladies. Budget £10-£15. No booze allowed.
    MBNA 237.47/13997.47
    Santander 300/10550
    Nationwide 60/460
    Very 943/943 paid off 01/02/25
    Santander OD 0/2900
    Nationwide OD 100/200
    Mortgage 18430/125194
    EF 300/1000
    Declutterred via Vinted 53/2025
    NSD Feb 2/7
    SPC2025 #11
    52 wk envelope challenge #6 28/virtual
    Debt repaid 2025 2437.60/38650.60
    MFW 2025 1036/107800
    Make £2025 in 2025 458/2025
    Friday Fiver 35/260 virtual pot.

    - - - -
    What matters is how we live and love and how we spend our dash. (L Ellis)
  • dawnybabes
    dawnybabes Posts: 3,372 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Woolly socks, microwave hottie, electric muff, nice travel cup with a handle 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Hot water bottle, fleece throw, PJ's, thermal socks?
  • stymied
    stymied Posts: 656 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Fingerless gloves
  • MFWannabe
    MFWannabe Posts: 2,459 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hope everything’s okay Nintud 🤔
    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • Nintud
    Nintud Posts: 554 Forumite
    Tenth Anniversary 500 Posts Name Dropper Photogenic
    MFWannabe said:
    Hope everything’s okay Nintud 🤔
    All good. I’m in Berlin 😁
    MBNA 237.47/13997.47
    Santander 300/10550
    Nationwide 60/460
    Very 943/943 paid off 01/02/25
    Santander OD 0/2900
    Nationwide OD 100/200
    Mortgage 18430/125194
    EF 300/1000
    Declutterred via Vinted 53/2025
    NSD Feb 2/7
    SPC2025 #11
    52 wk envelope challenge #6 28/virtual
    Debt repaid 2025 2437.60/38650.60
    MFW 2025 1036/107800
    Make £2025 in 2025 458/2025
    Friday Fiver 35/260 virtual pot.

    - - - -
    What matters is how we live and love and how we spend our dash. (L Ellis)
  • MFWannabe
    MFWannabe Posts: 2,459 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Great news about your son 😁
    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • amber03
    amber03 Posts: 1,360 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Good news about your son. Glad you enjoyed Berlin and don’t blame you regarding the money, better to hold off to make sure you can get through this month.xx
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • That's great news about your son. Agency may be best for him for now whilst he gets used to working life and discovers what he can and can't cope with. 
    *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/
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