Active discussions

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To ask how much debt you have?

196 replies

Wellisayohyeah · 09/06/2025 20:58

Where it is from, and if you're paying it off?
Does it worry you?
I have 500 on a CC, 500 on a personal loan, about 300 on an Argos card and 300 to a Monzo overdraft.

I also have my mortgage and student loan but not counting!
The above figures are what I've got it down to now and what's left to pay off.

OP posts:
laclochette · 09/06/2025 22:00

£254k on my mortgage ergh. Then I have about £950 on my credit card balance this month but I'm owed some money from friends for upcoming holidays I've paid for and the odd refund so that will be paid off / eliminated soon. Otherwise I've never had any debt.

Boredofbeinganadult · 09/06/2025 22:00

Nicepeople · 09/06/2025 21:48

I really dont have any debt.
Many years ago i did i swore I'd never get in debt again.

Show quote history

well done because it is so hard! I think those with a lot don’t want to say often because the stigma attached

proximalhumerous · 09/06/2025 21:59

None. Never had any, even as a student, other than my mortgage (now paid off).

iamnotalemon · 09/06/2025 21:58

Nothing now but the highest debt I had was almost £20,000!

iamnotalemon · 09/06/2025 21:58

RunningNananananananananana · 09/06/2025 21:04

Not counting mortgage
£360 personal loan

Last payment next month 🥳

First time in 27 years I'll have no debt 😁

Amazing, well done!!

skippy67 · 09/06/2025 21:58

No debt at all. But I'm old.

Itiswhysofew · 09/06/2025 21:57

Bloody car. Never again. I'm actuality thinking about paying it off.
Nothing else.

Treesinthewind · 09/06/2025 21:55

I always love these threads where people say how much they hate being in debt and would never use a credit card if they couldn’t afford to pay it off immediately. I too hate being in debt but literally have to use credit to get by month to month.

bridgetreilly · 09/06/2025 21:55

About £2500 on a 0% interest credit card. About £500 on my normal credit card. No mortgage, car payments or student loans.

MiddleAgedDread · 09/06/2025 21:53

£40k on the mortgage and £1200 on interest free credit card (could pay it off but savings are making more interest) to be paid off over at £100 a month over the next year. End of the mortgage is in sight!

Ireolu · 09/06/2025 21:52

No debt but very large mortgage that keeps us on our toes.

AnneLovesGilbert · 09/06/2025 21:52

Just the mortgage.

AlpacaMittens · 09/06/2025 21:51

elliesmummy19 · 09/06/2025 21:48

No debt, no mortgage. Oh we’re paying off our bathroom monthly if that counts? Will be paid off by September though with no interest.

Sincere apologies for the off topic but - can I ask which company you used for your bathroom please?

Catladywithoutacat · 09/06/2025 21:51

£200 ish on sofa and gifts

Didimum · 09/06/2025 21:51

Not counting mortgage. I have £3k on a credit card. Nothing else.

AlpacaMittens · 09/06/2025 21:49

Mortgage, for which we overpay every month.

Credit cards we have a debt of around £1,500 each. In reality we could pay it off tomorrow if we wanted to. It's mainly flights, hotels, car rental etc for our holidays - which we've put on instalments. We pay way more than the instalment amount every month so should clear soon.

Nicepeople · 09/06/2025 21:48

Boredofbeinganadult · 09/06/2025 21:45

when this question is asked the majority of the answers will be that they don’t have debt at all.

I really dont have any debt.
Many years ago i did i swore I'd never get in debt again.

GoldGoose · 09/06/2025 21:48

Even if you came in to money you'd be far better paying off mortgage or saving for retirement I'd imagine.

MascaraGirl · 09/06/2025 21:48

nebulae · 09/06/2025 21:03

Car PCP only. Though I don't really class that as debt, it's more like leasing the car as I just give it back after 3 years.

Same here. It’s not a debt, it’s just the cost of motoring

elliesmummy19 · 09/06/2025 21:48

No debt, no mortgage. Oh we’re paying off our bathroom monthly if that counts? Will be paid off by September though with no interest.

soontobeconfirmed · 09/06/2025 21:47

2600 on a 0% credit card, but I have £5k in savings which I could use to pay it off. Paid off student loan years ago but have £259k left on the mortgage.

Ylylyll · 09/06/2025 21:47

20k in credit cards/loans - a year ago it was 40k!

reckless financial decisions as a student offset by decent-paying grad role.

Cel77 · 09/06/2025 21:46

About £1100 in credit cards. Quite a few pay in 3 agreements.

We share a joint loan for our new car (about £17000 left after a year).

Our mortgage is about £130 000 left.

No student loans.

Nicepeople · 09/06/2025 21:46

OverpricedCupcake · 09/06/2025 21:39

None.
I was in a lot of debt 15 years ago and when that was cleared I swore never again.
If I can't pay for it upfront, I can't have it.

Im the same if i cant buy it straight out and own it im not having it.
My washing machine buggered up last year i was told to just hire one and pay weekly.
Sod that i waited 3 weeks until i had the money to buy one out right.

TheOpalReader · 09/06/2025 21:46

200 on credit card, 600 on very but that can be paid off quickly if needed. That's all, no mortgage.

Swipe left for the next trending thread