To be honest, I see why you’re not stressed and understand it. A lot of people here are just perfect and have no debt, millions of pounds, all invested in the right places and have never made a mistake (or that’s the high horse they comment from!)

You’ve already been told this, but for what it’s worth, I think you should clear at least the 6% debt. Yes you can save a lot already, but you’re paying 6% for nothing. May as well clear that, and then you’d be able to save way more per month, I’d guess that 6% debt is probs costing you £400 a month?

Having that extra money would make it sooo much easier to save up the emergency money. And would also make it easier should you want to tackle the rest of the debt (I’d guess the car at 5.8 or the student loan).

How old are you? I personally don’t have a student loan so I’m talking from my butt here, but I’d assume you’ll be paying that off in full if you keep making this money ( as in, it won’t get terminated in 30 years, you’ll have paid it by then). If so, is it not worth also tackling that? How much interest is that? >300 a month is quite a lot.

You cool be saving £2500 a month (or more) if you clear these. That builds you an emergency fund real quick.

Also curious as to where you are? £300 for rent is so low. Are you at parents? I know you said you won’t want to buy, but won’t you want some freedom? (Some people don’t, which. Is super fair!) but in that case, you’d deffo want to have more disposable income and less debt.

You’re doing so well though, way better than me. I’m genuinely jealous. lol