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

1434446484961

Comments

  • Great news on the leftover Very balance! Excited to see you clear it! 🎉x
    Debt Remaining: £8,781.53
    3 Month EF: £1,000/£4,494
    2025 MFW Challenge #9: £999.00/£4,000
  • Sarahwithlove
    Sarahwithlove Posts: 3,470 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    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/
  • Nintud
    Nintud Posts: 555 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    That's great news about very, bet you can't wait to see the back of it. 
    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 😁
    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: 2,515 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Wow you’re on a debt busting mission now 🤛

    MFW 2026 #50: £3,583.49/£25,000

    Mortgage:
    02/01/26: £60,223.17

    12/08/25: Mortgage: £62,500.00
    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 

    Savings: £20,000




  • RelievedSheff
    RelievedSheff Posts: 12,721 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Be warned. Debt busting becomes addictive  :D 
  • Nintud
    Nintud Posts: 555 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Be warned. Debt busting becomes addictive  :D 
    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.

    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)
  • Andyjflet
    Andyjflet Posts: 719 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    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 !
  • Nintud
    Nintud Posts: 555 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    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)
  • MFWannabe
    MFWannabe Posts: 2,515 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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/£25,000

    Mortgage:
    02/01/26: £60,223.17

    12/08/25: Mortgage: £62,500.00
    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 

    Savings: £20,000




  • liselle
    liselle Posts: 201 Forumite
    Seventh Anniversary 100 Posts
    Actually the ten minute blast at the housework is a great idea.
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