how i plan to pay my mum back by 2029

He owes his mother about £19,000 after tax penalties and costly car finance, from nearly £30,000 borrowed and £10,000 repaid. He abandons the UK repayment plan targeting 2029, favouring Thailand, where he estimates repayment by 2027–28 after lower living costs. He plans selling car and stocks for DTV funds, risking no emergency savings; Thai Elite would require more credit-card debt.

Thailand becomes his recurring escape strategy and debt solution, despite major visa and income risks.