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AIBU?

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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:
harrogatemumofone · 09/06/2025 21:13

Just 8 months left on mortgage (although it is fully offset, so could pay off), nothing else and would never take on debt other than (part) car finance (but that's v rare as we run our cars for years).

RhaenysRocks · 09/06/2025 21:13

Well into five figures on 0% credit plus mortgage. I work ft on a decent salary but it's just me and two teens are expensive. They aren't spoiled..no labels, iPhones, large allowance but I like to take them away once a year, not usually abroad though and they both do expensive hobbies. It's a calculated debt and I can downsize and pay it off in about five years when they're off and away. Life is too short to not see that amazing show or have a cinema and pizza trip that can cost £100 these days. You're a long time dead.

Trinity69 · 09/06/2025 21:12

Mortgage, about £140k and a credit card with about £2700 left, which is down from about 12k 4 years ago. Almost seeing the light at the end of that long tunnel!

ToasterFuckUP · 09/06/2025 21:12

Only the mortgage.

I don’t count student loan, I’m young enough to be on a plan that was never designed to be paid off.

PigFan · 09/06/2025 21:12

Zero

I'm poor so can’t afford to get into debt! I’m very risk averse so don’t even have a credit card.

mrsed1987 · 09/06/2025 21:11

2k on cc (just been on maternity leave so that accounta for that) £100 on next and £100 on very. Hoping to pay it off by the end of the year.

I'm 38 and never had a CC so not too bothered!

FancyCatSlave · 09/06/2025 21:10

Excluding the mortgages, about £20k. But could pay it off tomorrow if I needed to. Good use of credit doesn’t phase me.

FedupofArsenalgame · 09/06/2025 21:09

None. Mortgage paid off and no other debts

Radiatorvalves · 09/06/2025 21:09

65k on mortgage. Nothing else.

AllProperTeaIsTheft · 09/06/2025 21:09

A pretty small amount of mortgage left to pay. No other debt. My credit card is clear - I don't use it very often.

DryDay · 09/06/2025 21:08

Gettingbysomehow · 09/06/2025 21:03

None. I've paid off my mortgage. I'm retiring in 5 years so I can't afford to have any debt. I need to save as much as I can.

Same here. Four years left for us. We can’t wait to retire but also feel quick anxious about stopping saving and starting drawing it down.

Praying4Peace · 09/06/2025 21:08

No debt right now. But until 5 years ago I had a long standing overdraft and needed to buy goods on if.
Single parenthood etc

Crushed23 · 09/06/2025 21:06

Just a mortgage on a property I’m currently renting out for more than the mortgage payment. Haven’t done my tax return yet, but I think I just about break even after tax.

ungratefulcat · 09/06/2025 21:06

Oh that's very exciting 😊 I bet it will feel amazing.

AhBiscuits · 09/06/2025 21:05

I have two mortgages. One on my main house and one on a flat that I rent out.

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 😁

Gettingbysomehow · 09/06/2025 21:03

None. I've paid off my mortgage. I'm retiring in 5 years so I can't afford to have any debt. I need to save as much as I can.

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.

WhereHasMyPlanetGone · 09/06/2025 21:02

Just mortgage now. We did have a fairly large amount of CC debt but spent 2 years hardcore paying it off and it’s gone now. With no debt we’re now able to put £2k a month into savings.

Original poster
Wellisayohyeah · 09/06/2025 21:01

Congratulations 👏
My student loan is incredibly high. I am paying it off through my salary but don't see myself being able to fully repay it anytime soon, unless I come into money.

OP posts:
Overthebow · 09/06/2025 20:59

No debt other than mortgage and student loan. Student loan should be paid off in a years time.

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