To ask how much debt you have?

[Wellisayohyeah]

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.

It might be worth talking to someone like stepchange?

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.

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.

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

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

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

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

£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.

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.

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. 🙄

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!

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.

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.

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).

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.

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

What’s the APR on that?

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

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

Good for you for turning this around

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.

Both are 24.9%, I just checked as I had no idea.

Tbf I tend to use them and pay them as soon as payday rolls around so the interest doesn't have too much of an impact on me

None aside from massive mortgage and leased car.

2,473.86p sorry my keyboard is broken! Accrued over 2 months covid severe illness where I was not allowed to work ( TBH I couldn't even stand up) No sick pay as zero hours crap shop job. I actually borrowed enough to pay 2 months rent a tiny bit of food and counciltax. ( 1,890) almost 3 years ago, been paying between them 150 a month but it never goes down. I cannot afford to pay more and so it goes on. feel absolutely trapped and go hungry most days just trying to keep afloat

I have a little under £4k on an interest free credit card and pay £400 pcm. It's actually something I did for my ds as I could get a longer rate of free credit than he could. I pay off £400 pcm ds repays me more slowly at £150 pcm. I'll repay all of the money 2 months before the interest free period ends he couldn't afford to repay that quickly so I've saved him interest.