Finances ... would you be worried?

[TreeGreenSpade]

1,250 savings
3600 internet free credit card for next 18 months

I am managing to save 250 a month roughly (sometimes more sometimes less). Paying around 120 a month towards credit card.

I live alone and for some reason have become really panicked by this today. I guess because I feel it’s all on me and nobody to share house emergencies with!

For context the money on the credit car was around 1500 downpayment for a car and the rest for a new boiler to be fitted!

Nope, sounds fine.

Not worrying. The only thing I would say is to prioritise paying off the CC over savings. 120x18 won’t pay off the balance in the interest free period - if you increase your payments to £200/m it will (set up a standing order) and you can still save £170/m towards an emergency fund.

Looks fine to me. You've got £1250 in savings to cover a house emergency. You're saving more than enough to pay off the credit card. Although interest rates are miserable it is still worth considering paying off the minimum each month while the card is interest free. Bung the rest of your monthly savings into something that pays interest and then pay off the card just before the interest free period ends (assuming the card does not have some weird conditions that penalise you for this approach).

Seems ok but I would clear debt before thinking about saving.

120x18 won’t pay off the balance in the interest free period - if you increase your payments to £200/m it will (set up a standing order) and you can still save £170/m towards an emergency fund.

I agree with this. Get the credit card paid off within the interest-free period. That's one less thing to worry about. Interest can be a killer. You're throwing money at a card without bringing down the actual balance in any significant way.