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

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Comments

  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Merry Christmas to you and all.


  • I actually can't believe what I'm reading. I'd never not get my mum something for her birthday or Christmas! It doesn't even have to be expensive, so cost is a rubbish excuse. I'd definitely cut back on what you give them 
    *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/
  • Nintud
    Nintud Posts: 554 Forumite
    Tenth Anniversary 500 Posts Name Dropper Photogenic
    NEET has confirmed that I won’t be getting anything with a comment that once he’s working again he intends to buy me something substantial. As he didn’t catch up on my birthday when he was last working, I’m not going to hold my breath.

    Christmas tree is up. So glad I cancelled the 8 ft tree and bought a 7ft one instead. With a topper on it reaches the ceiling!  It’s Disney themed. I bought tons of ornaments off Vinted in January with plans to gift two of my grandchildren with Disneyland Paris tickets for Christmas. That’s not happening because daughter has started a childminding business and her time off is limited. I’ll look into taking them my self next year. They are 8 (9 next month) and 7, so I have a few more years until they are too cool for Disney.

    NEET and phantom lodger are currently putting the new dining chairs together. I’ve told them all I need help with final preparations today. I want the flat looking good for when daughter arrives with granddaughters for tea tomorrow night.

    Last bit of wrapping to do, visit to my other daughter with Christmas presents, and a quick nip to the shop to drop off Vinted parcels and pick up a bottle of Tia Maria for a Caribbean coffee while I prepare the veg for Christmas dinner. I’m going to be naughty and skip an antibiotic! I’m taking them for an infected finger (arthritis cyst) and midway through the course. Son is a pharmacist, and daughter a pharmacy assistant, and I’m sure they would disapprove, but sheesh! It’s Christmas.

    I hope everyone else is ready for the big day. I’m excited for my dinner 😆 Hopefully my gastric bypass stomach (almost ten years out) will let me eat more than a fork full. Meat can be an issue, no problem with biscuits though!

    Do have a present problem.  NEETs new coat hasn’t arrived. It’s his main gift ( expensive coat) he’s got two other gifts and some sweets with cash attached, so present opening may not go well. That’s the price you pay for taking weeks to tell me what you want for Christmas.
    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)
  • Nintud
    Nintud Posts: 554 Forumite
    Tenth Anniversary 500 Posts Name Dropper Photogenic
    £2.50  refund received from Mr S for delivering a short dated salad bowl, so I’ve paid that across to Very.  That debt is now under £450. Slowly chipping away.  I have enough pending from Vinted to get it below £400 by the end of the year.
    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)
  • stymied
    stymied Posts: 656 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    He’s old enough to understand that post is sometimes delayed - whatever you do (ahem, not speaking from experience or anything 😉) don’t rush out to get something else to compensate x
  • joedenise
    joedenise Posts: 17,742 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If it doesn't arrive put an IOU in an envelope for him.  Agree with @stymied don't go and get something else.
  • Nintud
    Nintud Posts: 554 Forumite
    Tenth Anniversary 500 Posts Name Dropper Photogenic
    I’ve sent OutdorrGB an email voicing my disappointment. I ordered the coat 9 days ago and haven’t been sent the delivery update email they say they will send. No hope of receiving the coat today.

    Off out to buy wrapping paper as I ran out last night. Three small gifts left to wrap 🤦‍♀️ Dropping presents off a daughter’s house then home to bake and do a final tidy.  I don’t feel ready at all!

    Hope everyone else is better prepared.
    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)
  • It blows my mind that someone so generous to her family can have such selfish children. Even a box of chocolates and a card is less than a fiver. 
    *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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