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Paying off £37065 unsecured debt by July 2027 while continuing to travel this amazing world
Comments
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            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.
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 What matters is how we live and love and how we spend our dash. (L Ellis)0
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            Woolly socks, microwave hottie, electric muff, nice travel cup with a handleSealed pot challenge 822
 Jan - £176.66 :j1
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            Hot water bottle, fleece throw, PJ's, thermal socks?1
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            Fingerless gloves
 1
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            Hope everything’s okay Nintud 🤔MFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
 12/08/25: Mortgage: £62,500.00
 12/06/25: Mortgage: £65,000.00
 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
 12/08/25: Savings: £12,0001
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 All good. I’m in Berlin 😁MFWannabe said:Hope everything’s okay Nintud 🤔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)2
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            Berlin was fabulous. I walked miles and needed lots of sleep when I got home, but the aching legs have recovered and I’m catching up on chores and work.
 Debt wise, not much is moving. I’m not sending my Vinted sales money over to Very at the moment, I want to see how the month pans out.I do have good news though, son is no longer NEET!!! He started work on Monday. It’s through an agency so not permanent, but it’s a taste of working life, a wage and a reference.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)5
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            Great news about your son 😁MFW 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
 12/08/25: Mortgage: £62,500.00
 12/06/25: Mortgage: £65,000.00
 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
 12/08/25: Savings: £12,0000
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            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 £140.000
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            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 - £7000
 *Virgin Credit Card - £3552.50 - £0
 *Natwest - £1828.35 -£0.00
 Barclaycard - £2315.25 - £0.00
 Creation Finance - £960.32 £780
 *Total debt - £7780/£11641.17*
 Savings
 *Savings Buffer - £350/£1500
 *Emergency Fund - £1500/£1500
 New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2
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