DEBT STORY: How I Paid Off £37,000 In 2 Years

Stupidity. Irresponsible lending. At 18 I got my first credit card with a £500 limit. I remember them calling me because there was under a minute between transactions thinking it had been stolen. At the time I thought it was funny. Husband had a very well paid job and was renting . Didn’t ever think to do a budget . So we had his wages and then the credit cards . Paying only ever the minimum. At that time I worked 8 hrs at a hairdressers and my largest credit amount on ONE card was 14k (luckily I didn’t go up to that). All was well until the recession hit and the construction industry was hit hard. We then used cards to live on buy shopping, fuel and loads of cash withdrawals. Followed by bad family advice of ignore them they write them off only escalated the issue.

Scared to answer the door or phone. Then found Dave Ramsey on instagram, ordered the book immediately and haven’t looked back since.

By using the debt snowball method. Listing all our debts smallest to largest.

Surround yourself with like minded people. Start a separate instagram account to interact and engage with like minded individuals. You will inspire someone else to start. Get your head out the sand and face facts. Once you begin you’ll become unstoppable.

Instagram, YouTube and Dave Ramsey.

If you are reading this you’ve already committed to the chance of changing your life. No matter what your income is, you have the ability to pay off your debt and take control of your finances. My only regret is not finding the debt free community sooner. Better late than never!