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Time to banish the debt.

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Comments

  • flamingo22
    flamingo22 Posts: 100 Forumite
    10 Posts Photogenic Name Dropper
    How are people managing their anxieties around their debts, I feel like im spiralling this week and catastrophising on everything, the debt, my job.  I do need a new job, I feel the responsibility is too much for little reward and I can't shut off from it all. My options will be better when this is paid off as I could comfortably afford to pay a cut.
  • Rhyddid2026
    Rhyddid2026 Posts: 686 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    I fiddle with my figures so I can find numbers that make me feel better, remembering something I've cleared or that I've paid 10% of something off already.
    Or I direct my attention to something different and free, like going through my seeds and thinking about free food I can grow next year.
    Or I look at ridiculous money making options like renting out my spare room (it would have to be to someone who loves animals, mud, and doesn't mind not having a fully working kitchen). Or living off grid.
    Sometimes reading diaries of other people in worse positions helps, and other times reading diaries of people who've succeeded helps.
    And then other times I just ride the wave because I know this is a bit of an emotional rollercoaster and as long as I don't jump off I'll be ok again soon.
    Different things work at different times, and sometimes they don't work at all but I feel a bit better the next day anyway.
    Hopefully you'll find a few things that work for you.
    But yeah, it's really tough at times.
    Debts                04/01/25         01/11/25   
    Natwest2           £6,509.97       £5,700 
    NatWest CC      £7,612.74       £6,755
    Lloyds CC          £6,112.60      £4,815
    1st Direct CC     £176.03         £0
    CC total             £20,411.34     £17,270
    TSB OD             £500              £0
    1st Direct OD     £600              £0
    Car loan             £4,000           £4,000
    1st Direct Loan  £10,684.44    £8,710
    Total                   £36,195.78    £29,980
  • Just made an overpayment of £91.50 on my Abound (aiming for an extra £79 per month) so this figure now stands at £2426.71, the extra money has been made through Vinted and surveys.
    In other news, little one is ill yet AGAIN, he needs a break poor little dude. 
    More Xmas presents bought with the Amazon vouchers I've received doing switches etc.
    Anyway off to bed, no surveys for me tonight as I've met my target 🙃 for this month. 
    Dont know if you use it but try an app called curious cat its a good one for surveys 
  • I fiddle with my figures so I can find numbers that make me feel better, remembering something I've cleared or that I've paid 10% of something off already.
    Or I direct my attention to something different and free, like going through my seeds and thinking about free food I can grow next year.
    Or I look at ridiculous money making options like renting out my spare room (it would have to be to someone who loves animals, mud, and doesn't mind not having a fully working kitchen). Or living off grid.
    Sometimes reading diaries of other people in worse positions helps, and other times reading diaries of people who've succeeded helps.
    And then other times I just ride the wave because I know this is a bit of an emotional rollercoaster and as long as I don't jump off I'll be ok again soon.
    Different things work at different times, and sometimes they don't work at all but I feel a bit better the next day anyway.
    Hopefully you'll find a few things that work for you.
    But yeah, it's really tough at times.
    This is lovely advice, and I'm not sure I have anything to add to this. Other than keep posting and someone will be there with a virtual hug. You're not in this on your own.
    Unsecured debt at Worst June 2024 - £47,772.48
    Current unsecured debt Oct 2025 - £17,421.63
    Debt gone forever - 17 months - £30,350.85 (63%)
    Debt free date goal March 2027

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