We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Paying off £37065 unsecured debt by July 2027 while continuing to travel this amazing world
Comments
- 
            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 £780
 *Total debt - £7780/£11641.17*
 Savings
 *Savings Buffer - £350/£1500
 *Emergency Fund - £1500/£1500
 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.
 - - - -
 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 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
 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
 27/12/24: Debt: £0 🥳😁
 27/12/24: Savings: £12,000
 12/08/25: Savings: £12,0002
- 
            Be warned. Debt busting becomes addictive 1 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 2025 #50: £1989.73/£600007/03/25: Mortgage: £67,000.00
 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
 27/12/24: Debt: £0 🥳😁
 27/12/24: Savings: £12,000
 12/08/25: Savings: £12,0001
- 
            Actually the ten minute blast at the housework is a great idea.1
Confirm your email address to Create Threads and Reply
 
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 600.9K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards

 
          
         
 
         
 
         
 
         
