big problems

He recalculates roughly £23,000 total debt: £14,000 remaining car PCP, £1,381 Amazon balance, and about £7,000 owed to Mum. He regrets the Peugeot purchase: £19,000 eventual cost, little use since December, and considers paying roughly £1,500 to exit the PCP. He plans selling £5,600 of stocks and crypto around March to repay Mum, then rebuilding investments instead of doing Uber Eats.

Debt awareness replaces casual spending, but he still depends on market gains while postponing labor-intensive income.