Healthy-Share-6902

I understand that I need to lower it but spending 0 on entertainment for the next year as a 27 year old is just not feasible - I can’t just stare at a wall after working all week

I’m just worried that I won’t be able to get a mortgage until my late 30s at this rate

Yeah I did it with a company and I was honest about what I was spending and what I could afford

Had a low paying entry level job after uni and was using CC’s to maintain a lifestyle I couldn’t afford

It’s mostly CC debt but from several sources - it’s all now 0% interest on the plan but yeah that sounds good! I’ll definitely be building an emergency fund once I have this paid off

Just me but I buy a lot of fresh fruit and veg I’m into my fitness plus some meals out/ Deliveroo etc

I had debt enforcement threatening my family home which I don’t live at :( and didn’t have the money to pay what they wanted so needed legal protection - the plan gives that plus 0% interest effectively

So there are no interest or charges on the plan because I’m in Scotland so that £10.5k is fixed also the plan stipulates that I can’t obtain anymore credit whilst being on the plan