How much debt are you in and what for?

[NarChaDBaueR]

£4,298.26 loan which will be paid off by September/October. Also 23k in student loans!

 

[The_Abyss]

None outside the mortgages. Credit card balance is around £1,500 but that's just normal monthly spending and gets cleared every month.

 

[shadow_boxer]

Mortgages and student loan.

 

[insane200]

None on the CC as it's only used for car rental on holiday.

No mortgage as we rent :/

about 1k on intrest free for Sofa's and my camera.

About 4k for our car loan.

 

[OracIe]

About 178k all in.

 

[marshalex]

Mortgage (~£90k), student loan (god knows how much that is, seems to go on forever), few hundred quid on credit card which is mostly work expenses and car loan (~£8K).
Might have a bit more on the credit card if go ahead with new PC this month.

 

[GinG]

Between me and the wife:

~£200k mortgage
~£2k on CC (and always decreasing)
~£15k left on loans for 2 cars

All debt is fairly manageable. Wife is currently only working 22 hours per week with us having a 2 year old but still fairly comfortable, be nice once she goes back full time possibly next year!

 

[Skidder]

I'm a northerner but I've not told you how much mine is

I like my mortgages like I like my pr0n sub-forum, absolutely obscene.

 

[Skidder]

Better value for money up here you know

It is if you can stomach it.

I'm originally welsh and could go home and buy a pile but hard to do what I do from there.

 

[The Geezer]

10 years on the mortgage although I'm over paying so 8 years really
No loans or credit cards

 

[anything I don't mind]

I almost out of debt. End of this month and i'm free.

 

[mid_gen]

None. Well a student loan technically but I have far more in assets.

 

[Dempsey22]

No debt here either.

 

[Deleted member 77746]

Only my mortgage. Nothing else.

I'm not sure if you can class student loans or mortgages as 'debt' though.

 

[malachi]

Most people won't know their actual debt, they'll just assume it's mortgage, credit cards and loans and forget about mobile phones, insurances, gyms, tv, broadband etc which are all potentially loans paid over time.

Depends, if you are tired to a contract then yes but things like my car insurance I do the one off payment not monthly.

 

[Alex_6n2]

For those of you looking to check your credit scores, I would recommend www.clearscore.com which is a free service and provides some useful data on what sits in your credit file.

Wow, great website! Thanks

 

[Housey]

I know exactly what my debt exposure is, where my money goes and what my net worth is. You should all take responsibility for your finances and have plans. I used to just let money go in and take money out, but as you age you appreciate plans are important.

 

[Housey]

Wow, great website! Thanks

It's really good and there are features and functions being added all the time.

 

[Casdawer]

Loan 1 - £3500(ish)
Loan 2 - £2000(ish)
CC - £900
£400 on a 'Buy Now, Pay Later' scheme for PC parts.
£1000(ish) on 0% interest for an Engagement Ring

When I was young, I was extremely retarded with money and it cost me and caused issues with my relationship with my now Fiancée.

The past 2 years, I've been fighting hard to pay back my debt and this year shall be my final year in debt after almost 9 years of being in debt mostly thanks to my new job.

Never again.

 

[Phoenix211]

about 375k everything in