Just paid off an existing £3k loan, and now taken out an £11k loan (changed my car and planning to change wife's in next couple of months). Loan is over 5 years, but will overpay and hopefully be done in 3.
£1k hmrc overpayment debt being paid back @ £11/week. Could have paid this off in full, but has 0 interest, so money is better in my pocket.
Similar to you - usually £100 max on my credit card for cashflow, which clears every month by dd. No personal loans (just student), 15 years left on a 25-year mortgage, no overdraft. Got £2300 in an ISA.
100% dept free for 10 years was lucky to pay my house off when I was 34 but I did start on the property market when I was 19 with a one bedroom flat. It took many years without any major holidays and I worked like hell. I don't think I would be able to do it these days if I had to start again.
£108k Mortgage
About £3k left of my student loan
Just under £800 on my credit card (0% till April by which time it will be paid off) as I had to buy my season ticket last month.
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