Updraft

As long as Updraft hasn’t hooked you in with the classic lower your monthly payment (but pay over a longer term) sneaky consolidation trick.

With excess borrowing, just live on as little as possible and throw everything at the debt.

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I’m guessing you didn’t use the budgeting in the Monzo app, given how many testimonials there have been about how it’s helped people get out of debt.

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I’ve never used that it’s crap, never been any use, turned it off and forgot about it. Was more of a hindrance than anything else. Just glad it had an off switch option to get rid of it.

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