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Single £9,600 consolidation loan o/s 01/09/2025 will be zero (excluding mortgage) Not long now Will more than likely redirect the £600 monthly payment to my mortgage and knock off 10 years in the process, that’s the plan anyway!

Apart from mortgage will be debt free in September 2025 as bit the bullet and took an unsecured consolidation loan to clear “the spending of my youth” Learnt to save and budget a lot more over the last decade so only use credit cards for the S75 protection really. The only exception is we use...

Normally 10% of balance per year whilst in a fixed period

Absolutely, I suppose the flip side is, if I can still stomach the job mid fifties (assuming hybrid still!) can look to maximise my 40k a year pension allowance for a few years - which adds more comfort when the time comes.

Absolutely this. Plan to be unencumbered by mid fifties. This changes evening at this point as to what I have to do or not.

Took out a consolidation unsecured loan 5 years ago to wrap up the 20’s and mid 30’s attitude! Have two years left. It’s £600 a month so am comfortable not seeing this money. The plan is to start overpaying our mortgage by this amount once cleared which will knock off about 13 years of my...