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Definitely pay off the debt. Your high levels of debt could mean that one mis-step could lead to a bad ending. So you paid off £20k last year, with the extra you could pay off £26k and you would be half way there. Another year and you should be debt free then be able to throw even more at the pens...

Definitely pay off the debt. Your high levels of debt could mean that one mis-step could lead to a bad ending. So you paid off £20k last year, with the extra you could pay off £26k and you would be half way there. Another year and you should be debt free then be able to throw even more at the pens...

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