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Paying off £37065 unsecured debt by July 2027 while continuing to travel this amazing world
Comments
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Great news on the leftover Very balance! Excited to see you clear it! 🎉xDebt Remaining: £8,781.53
3 Month EF: £1,000/£4,494
2025 MFW Challenge #9: £999.00/£4,0002 -
That's great news about very, bet you can't wait to see the back of it.*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £0
*Total debt - £7000/£11641.17*
Savings
*Sinking Fund - £800/£2500
*Emergency Fund - £1000/£1000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
I’ve reduced the limit to £200 to ensure I don’t use it again. Soon to be first debt gone for 2025, to be rapidly followed by the Nationwide CC, potentially be the end of February 😁Sarahwithlove said:That's great news about very, bet you can't wait to see the back of it.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)3 -
Wow you’re on a debt busting mission now 🤛MFW 2026 #50: £3,583.49/£25,00007/03/25: Mortgage: £67,000.00
Mortgage:
02/01/26: £60,223.17
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
Savings: £20,0002 -
Be warned. Debt busting becomes addictive
1 -
I’ll have to feed my addiction from the remnants of my bank account today. I doubt anyone will go out in the snow to collect their parcels.RelievedSheff said:Be warned. Debt busting becomes addictive
vinted rant: why don’t some buyers click “everything is ok” when they have received and checked their delivery? It takes a second, and sellers have to wait 2 days to be paid if the buyer doesn’t bother.
Some take days to collect too. I’ve had an item I sent on Boxing Day, just sitting in a shop waiting to be collected for a week now. I’ll also bet the buyer doesn’t click “everything is ok” when/if they collect it.
i need that £6 to feed my debt busting addiction!!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 -
Agree with you, I do it for all my vinted purchases to ensure the sellers get paid out quickly but never has it happened to me. Reminded me to relist some items today, better pictures and a new item. I have been following a big Vinted seller on TikTok and using their tips.Baby Step 6/7 . £16000 saved and invested. £47,000 deposit paid on new home DEBT FREE !!!
Currently Negotiating with HMRC !1 -
First day of 2025 with no Vinted sales 😩
I’ve slipped on uploading so have set myself a target of 12 uploads on Sunday. I have 3 parcels to drop off on Sunday morning, then home to upload a dozen more.
I’ve edited my signature to show total debt repaid so far this year and my reducing mortgage. I’m behind on the items decluttered. I intend to start car booting once the weather improves. I could do two per week locally, and one further a field if I can find a carboot sale on a Saturday. I need to knuckle down on the debt repayments.
Im finding it hard to get motivated. The flat needs a good sort and tidy. I’m doing it in ten minute chunks whilst listening to a podcast, but I find I’m making more mess than I’m clearing. Any tips on a good tidying method when everywhere looks like an episode of Hoarders?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 -
I’ve no tips on tidying, hopefully I can pick some up too 🤞
You’re so nearly there with smashing the Very debt, hopefully won’t be long now til you can tick the first debt off 👍MFW 2026 #50: £3,583.49/£25,00007/03/25: Mortgage: £67,000.00
Mortgage:
02/01/26: £60,223.17
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
Savings: £20,0001 -
Actually the ten minute blast at the housework is a great idea.1
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