Difficulty after clearing debt

Dippygoose

https://forums.moneysavingexpert.com/discussion/comment/81986532#Comment_81986532

£65 between two cards but I plan on paying much more often than that but I’ve got them on interest free balance transfer for 21 months.

RAS

So how much do you need to pay monthly to clear them in 21 months?

Dippygoose

£2100 basically plan is £100 a month or more if I can manage it .

https://forums.moneysavingexpert.com/discussion/comment/81986756#Comment_81986756

MEM62

https://forums.moneysavingexpert.com/discussion/comment/81986515#Comment_81986515

That level of overtime is not sustainable and you will eventually risk burnout. You do not have to have an all or nothing approach. Why not reduce your overtime gradually over the next few months?

RAS

Can we just clarify? What's your normal shift before doing 15 hours overtime?

Can you clear the debt if you restrict overtime hours to say 7 per week?

Dippygoose

https://forums.moneysavingexpert.com/discussion/comment/81987399#Comment_81987399

I do 36 1/2 hours a week. I’m already at the safe point any extra overtime I do will pay the debt off quicker.

I don’t have to do any more overtime now to get it paid off in time?

ManyWays

I suggest halving the overtime you do and putting the extra income into an emergency fund for a few months. Then stopping it all together.

Dippygoose

https://forums.moneysavingexpert.com/discussion/comment/81987655#Comment_81987655

that’s a good idea.
Lower my overtime instead of going cold turkey.