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

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  • Squirrelz92
    Squirrelz92 Posts: 770 Forumite
    Sixth Anniversary 500 Posts Debt-free and Proud! Photogenic
    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: 3,344 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 - £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
    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: 2,458 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Wow you’re on a debt busting mission now 🤛
    MFW 2025 #50: £1139.75/£6000

    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 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Be warned. Debt busting becomes addictive  :D 
  • Nintud
    Nintud Posts: 554 Forumite
    Tenth Anniversary 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: 700 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: 554 Forumite
    Tenth Anniversary 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: 2,458 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 2025 #50: £1139.75/£6000

    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 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • liselle
    liselle Posts: 142 Forumite
    Sixth Anniversary 100 Posts
    Actually the ten minute blast at the housework is a great idea.
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