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

MFWannabe

Will be great if you clear all those from items you had ‘just lying around’ 🤩

Nintud

I could probably do it from clothes, books, and children’s bits alone!

Nintud

I’ve updated my signature to show the latest Very repayment total. It would have been good to see it all gone by the start of 2025, but that was a big ask for 11 weeks. The remaining £320 is a good target for January. I have £101 pending from Vinted, and lots listed that may sell. If I can get it closer to the £100 mark by payday on the 15th, I may just pull my belt in to unbreathable level and pay it all off.

It’s dependent on if I get my back pay from my second job, and how much the car accident repair costs. I’m hoping for £240 back pay. I have £200 set aside for the repair (well, that’s my emergency fund), and the rest will have to come from my monthly budget.  The car fuel tank is still about 80% full and I’m due expenses which will cover a tank for Jan-Feb. Lots of working from home, so that helps. The freezer contains some odd batch cooked meals and lots of soup. Food cupboards and fridge could feed us for 3-4 days. I think I can use up every scrap of food and just do a £150 shop for the month.  The freezer needs defrosting!

Very little wiggle room with February pay as NEETS 18th birthday falls in March and I want to get him driving lessons.

MFWannabe

Wow that’s amazing work on Very 👏👏👏

Squirrelz92

Excellent work on the Very account! Looking forward to reading more x

LzzyIsGod

You're making such good progress. 

My freezer also needs defrosting and it's one of those jobs I always put off as i loathe it

Nintud

LzzyIsGod said:

You're making such good progress. 

My freezer also needs defrosting and it's one of those jobs I always put off as i loathe it

My freezer is as old as my apartment, so around 24 years old!  It regularly snows in there, and it’s made worse by NEET’s inability to close the door properly.  A new integrated fridge and freezer are on the list of purchases for 2025. The fan is going on my oven too, and the gas on my job has to be lit with a lighter as the ignition won’t light it anymore. In fact, the whole kitchen needs ripping out!

im doing the 52 week envelope challenge to get either the kitchen refitted or the apartment refloored. Everything is in its third decade, and it’s an ex-rental (lads in their early 20s!) so you can imagine what I’m dealing with.  Very different from my 5 bedroom detached marital home.

But it’s mine, painted and furnished how I want it, and I will get the refurbishment done before I retire.  For now, big rugs hide the worse of the patchy carpet, and I defrost the freezer monthlly.

Ending the day with another £3 Vinted sale to add to the Very debt repayment. It’s good to know that £3 is now almost 1% of the Very debt. I need to sell another 76 items at £3 each to pay it off 😆 (I have £104 pending)

Nintud

A £10 Vinted sale and £5 paid to my bank then straight to Very.

I want this debt gone!

biggerpickle

Good work on the vinted sales and Very slaying!

You're not the only one with dreams of a new kitchen - I had to replace the cooker and hob when I moved in after leaving the marital home and my washing machine and fridge/ freezer were new too as nothing here when I moved in. I painted the old units, have taken down the wall units and put up some nice shelving but have repaired every base unit cupboard door at least once! Discovered Screwfix do hinge fixing plates when the chipboard is so knackered the hinges can't screw in anymore so hopefully there'll be no more doors dropping on my feet when I open them!

LzzyIsGod

Appliances are so pricey now days and just don't seem to last as long as they used to - my 1st washing machine lasted years but the last one seemed to go bang after about 3 and noone wanted to repair it. 

That Very debt is defo on it's way out!!