Let's get this sorted then!

rachmac3 · 1 September at 6:42PM

New signature day! Whoop whoop!!
I wasn't sure how much it would have come down, but it's looking good!
The money is a bit all over the place because I had to transfer funds around to meet criteria for the Barclays switch, but I think I've figured out what needs to go back where.
I also think I now have £500 emergency fund again (although I do urgently need a dentist appointment so I might need some of that).
Under 18k on credit cards, so I am confident I can just have two from July 2026. I have fixed payments of around £300 a month so there should be 3k off that by then. My goal was to get it down to 15k by next summer.
I've started overpaying my loan, only by £15 but it all helps. I'm tempted to start throwing any extra money at the loan rather than the credit cards, as that saves me money in the long run, but the amount on my CCs still makes me nervous so we will see.
Anyway!! Look how close I am to being under £30k in debt!!

ETA I've worked out that I've reduced the debt by £5,405 - that makes me very happy!