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The Little Cottage by the Sea
Comments
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Well you can see from my diary I'm hardly the most stable so it might not completely pass!😂
I didn't mean anything by the wages comment, I just got registered and chartered 18 months ago after going back to uni at 40. People (family mostly) seem to think because I went to uni that means I'm loaded but the majority of my debt is related to studying. I also look 'financially dumb'. I do love my job though, so it's all worth it really.
Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.992 -
No offence over the wages. I know how ridiculously privileged I am in the grand scheme of things.
Unsecured debt at Worst June 2024 - £47,772.48Current unsecured debt Oct 2025 - £17,421.63Debt gone forever - 17 months - £30,350.85 (63%)Debt free date goal March 20272 -
And also you worked hard and made sacrifices to get to a place where that was possible!Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.992
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