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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Would you be put off someone with 2k of debt?

98 replies

Medusa0987 · 21/06/2025 20:56

If they had no CCJs, IVAs etc. And were paying it off. Also if they were employed and genuinely had a plan to fully pay it off.

OP posts:
JacquesHarlow · 21/06/2025 20:57

How do you know they have £2k of debt? Did you audit them?

Original poster
Medusa0987 · 21/06/2025 20:58

They said that's what they have across a credit card and a loan.

OP posts:
SunnyDayDream · 21/06/2025 20:58

No

Blondebrownorred · 21/06/2025 20:59

No! Why? Are you put off?

PoopingAllTheWay · 21/06/2025 20:59

If someone ‘owns’ a home they could in theory be in dept of half a million

JacquesHarlow · 21/06/2025 21:00

Medusa0987 · 21/06/2025 20:58

They said that's what they have across a credit card and a loan.

How does it affect you? are you planning on joining finances right now @Medusa0987 ?

ShanghaiDiva · 21/06/2025 21:00

PoopingAllTheWay · 21/06/2025 20:59

If someone ‘owns’ a home they could in theory be in dept of half a million

Different type of debt, though.

arcticpandas · 21/06/2025 21:00

No🤷‍♀️. But it would depend on what the debt was for: car, furniture, dentist etc no judgment. Botox, teeth bleaching, luxury articles yes, I would judge.

KoalaPineapple · 21/06/2025 21:00

Depends on what the debt was accumulated/spent on a bit tbh… new boiler due to an emergency? Fine. Frivolous spends on things they didn’t need above their affordability ? Hmm less fine.

Papyrophile · 21/06/2025 21:01

I'd always be put off a person with debt, but if they have a job and a solution that doesn't tale years to sort...........

Rathereasy · 21/06/2025 21:01

How old? Kids? Own home?

Original poster
Medusa0987 · 21/06/2025 21:02

It was due to buying a home and every spare penny going towards fees etc. So living off a CC for a bit...loan towards renovations.

OP posts:
ShanghaiDiva · 21/06/2025 21:02

Depends what the debt was for and their general attitude to money management and whether their attitude was compatible with my attitude.

localnotail · 21/06/2025 21:02

I kind of think it would be none of my beeswax - I'm not looking for someone wealthy to keep me. In addition, I have about 6k debt myself so I would not be the one to judge.

Original poster
Medusa0987 · 21/06/2025 21:02

Own home, no kids.

OP posts:
localnotail · 21/06/2025 21:02

Though I would not date someone who gambles, if that's where his debts are form.

Jambolass · 21/06/2025 21:02

Not at all. Their debt is their problem. Why would it even be a problem? Unless it's a serious relationship whereby you are planning on buying a house together and pooling resources then, quite frankly, their finances are none of your business.

Definitelynotem · 21/06/2025 21:03

Depends on the circumstances for me…if just overspending on luxuries then I’d want to know they’re not accruing anymore debt and that they take it seriously but if it was for something specific that was needed (vet bills, unemployment etc) I don’t think it would bother me

Scottishskifun · 21/06/2025 21:03

2K nope..... 20k possibly!

tilypu · 21/06/2025 21:04

No. The reasons behind the debt are understandable, and the fact they are being proactive about sitting it is a good sign. Are you describing yourself or someone else?

Chiseltip · 21/06/2025 21:06

Jesus OP!

Wait till you hear about PCP car finance or mobile phone contracts . .

😂

soupyspoon · 21/06/2025 21:06

Is this a potential partner you're asking about?

It depends as others have said. We have some household debt on a DFS sofa, interest free not going to pay for it up front when we got it over 4 years I think.

I also have a laptop on interest free with Currys, again over about 4 years I think, saves me buying it up front

Prior to that we had a mortgage of course like many people

Previously Ive had interest free loans for cars and also had loans in the past with interest. I think we got our kitchen and conservatory and windows on loans, I think they were interest free now that I think about it.

JHound · 21/06/2025 21:08

I wouldn’t care. £2k is not a lot of debt.

ScholesPanda · 21/06/2025 21:08

Maybe if they earned around £15k a year and only worked part-time. Otherwise, no, I can't see why that would put me off.

PersephoneSmith · 21/06/2025 21:12

£2000 is nothing if you work full time.
It’s completely normal to have a car loan (for example)
20k on credit cards might point to an issue 🤷‍♀️

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