To ask how much debt you have?

None now due to retiring and having a couple of good wins in the inheritance lottery.

Pushing £10k on credit cards 13+ years ago as well as a mortgage.

Good for you for turning this around

Mortgage, £200 on Next account, about £1500 on credit card but it’s on a 0% deal and I’m paying way over the min payment so that the debt will be cleared before the 0% deal finishes.
I have a car on PCP but considering whether to just hand it back at the end of the term and buy something cheaper outright.
we had a lot of debt around 3 years ago and have worked really hard to massively reduce it

How much interest a month is being charged on the 30k?

I can’t believe the number of people who have debt on store cards.

What’s the APR on that?

None.

Around 8K left to pay off from being stupid when I left home. Thought it was amazing that everywhere was accepting me for credit...until I realised I couldn't pay it off. Buried my head in the sand and spent the last 12 years paying it off.

Getting there though!

None.
Was always brought up to believe that if you haven't got the money, you save (exception for a mortgage).

Bought my first car with savings which meant that I was immediately able to start saving for the next one.
Have had a CC for decades and buy practically everything on it but have never once let the balance roll over, it is cleared by DD at the end of the month.
Bought my first house with a hefty mortgage but also a decent deposit, always overpaid and despite having moved to a bigger, better house in a nicer area, was mortgage free by my mid-40's. We moved into what is to be our final house without a mortgage but instead using savings. After the original mortgage was repaid, the same amount went into savings every month and was always earmarked for the next house.

Retired at 57 and am pleased with the financial decisions we made, still able to save a significant sum every month (old habits).

A lot of debt, it keeps me up at night, I can’t lie. 5k CC (mostly because I had a terrible year and didn’t even notice the interest was eating up my minimum payments, making it pointless) and 3k on a personal loan.

I have a steady job but not super well paid, I was counting on paying it off when she went to uni (when it was much less debt) but she stayed home and things just mounted up. It wasn’t even on anything extravagant, just on day to day survival.

I’ve never failed a payment and have reasonable credit score though.

It is all relative to earnings too surely? Our combined savings are easily four times as much as any debt we have. No student loans, I paid mine off an eon ago.

However v excited to get rid of our monthly car payment finally. Won't be repeating that again any time soon.

Alwayyys the ones with no debt who reply!
10 years ago I was bloody drowning in debt!!
I'm pleased to post that i don't owe a penny now!

Welcome to MN where every one is on a 12 digit salary, their mortgage paid off and by the age of 18 they never had debt. 🙄

About 5,000 1.2k is from my student overdraft (I'm early twenties and graduated 1.5 years ago so it's still 0% interest) 1.4k is debt related to a bill which is going to the ombondsman to review hoping it gets revoked fingers crossed. And then the rest is on cards which are 0% and we're spent travelling / work licence costs etc and will be paid off by September.

£9861 on credit cards. Mainly from vehicle deposit and holidays. No mortgage. I'm 49 and have a secure job (well, as secure as you can get nowadays) but with a low income.

Cash back credit card paid off in full each month otherwise just the mortgage.

would swap with your debt though to be 20 years younger!

or even 10

Only whatever's on my cc statement which gets paid off in full every month.

One plus point of being nearly 60 is being debt free. Mortgage was recently paid off so that is that.

Only remains of a student loan which must be ending soon.

No debt right now, put about £200 quid on the credit card already this month, should get paid off straight away as I done overtime the last couple of weeks so should cover it, also some of it was for DD’s birthday which I already have cash for. No student loan, mortgage free. I have been in debt in the past (just finished paying off 3 years ago) but vowed never to let it get like that again.

None. Mortgage paid off a good few years ago, if I use my cc I pay it off in full, no overdraft/loans/store cards etc. 61 and been partially retired for 11 years and fully retired for year.

It might be worth talking to someone like stepchange?

Heaps of debt but then I intend to be too big for the bank to let me fail. Adding to the debt too! Mortgages and student loan. Have nearly £3 million in total. Sleep well at night and know it could all be paid back. Few years ago (about 8) I had a lousy partner (well cocklodger really) and just all bad debt. LTB and doing much better. Such fun!

I recently moved and it's all cost so much more than I was anticipating, plus it happened at my quiet season at work (self employed)

£3000 on a credit card
£1000 on Very account (BNPL until March so should be cleared by then)

All pretty much furniture, flooring and just getting by.

My first mortgage payment was over double what my usual monthly cost is, my water bill is double what it should be (hoping they'll rectify that next month now June's reading has gone in) and my council tax banding for ny new build was higher than I expected

So...yeah. Just life really. Usually hate resorting to credit cards or finance but needs must

We have 5 more payments on a personal loan we took out for home improvements. No other debt but the mortgage and student loans.

£30,000 and £127000 on a mortgage. Doesn’t bother me.