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  • FIRST POST
    • MSE Martin
    • By MSE Martin 26th Oct 06, 4:03 PM
    • 8,108Posts
    • 42,239Thanks
    MSE Martin
    The Debt Free Roll Of Honour
    • #1
    • 26th Oct 06, 4:03 PM
    The Debt Free Roll Of Honour 26th Oct 06 at 4:03 PM



    85 of you have posted on our Debt Free Roll of Honour to celebrate clearing your debts in 2016! If you haven't click reply!

    Huge congratulations to:

    OxfordGirl, datlex, sentientpoet, austonic, muppets, NJS2016, Bipolar_debt, monz, ab_saver, Money_Muppet , retiredandskint, lambda, Princesssparkle, Onmyway2, Seasidegal58, QuietOne, Willowpop, daveg10, NewcastlePaul, eco farmer, SpekySquarehead, C&S, Gazza1964, naff123, pineconesjay, lsmcal1984, blu3sky, villemo84, mesci, Honeylife, Karma67, timefortea, chocoholic_chick, purpleposting4, dangerpowers, e4rub, starnac, Carviscocker, Fender4, dolly84, Brightspark87, hoglet121, Bored, devon-tony, mrsbee17, Tony_, stekka, Kate_fixing_it, Gladioli, HornetSaver, sistercas, Tiglath, moneycantbuyyouhappiness, RosaBernicia, Catwoman_2015, Baldybear, Muhren, please-let-me-be-lucky, gig11, skilly, heartbreak_star, Frith, CornishMaid, tizerbelle, Ronoir,
    takingcareofthepennies, Mysteek, Sillygal, laura84gr, medusasmummy, depressed_but_determined, Soph86, princess_pea, bookworm262, Hobbes1, glentoran99, NoStrangerToDebt, CapricornLass, Serafine, 2spicy, mc2705, AshB123, koselur, mothernerd, BrandNewStart


    2015 total was..
    115!! Huge Congratulations to all!!! Now let's beat that in 2016!



    We started this Debt Free Roll of Honour back in 2006 and since then there have been some fabulously inspiring stories, which you'll see if you read below.

    Read the most recent debt-free announcements: click the double arrow above to head to the last page of the discussion

    2015 GRAND TOTAL: 115!! (2014: 92, 2013: 81)

    nannygladys, beckle_82, neuromancer, Alpedro, Aphidgirl, LotsToDo, stewby, Pepperoni, Squarehead76, nonnynonny, danant, DML1954, mrshughes86, Blinky2010s, Rachiedabbler70, Playing with Fire, katy_ann, lexbubbles, diamonds, andy1886, stiltoncheese, looby1975, shofer, Karb, kittypimms, Growurown, Want_to_be_free, crazy_cat_lady, David123456, FinallyGettingFree, malnuman, ShirePiskie, black cat, boring1, kremmen, BlueEyedGirl, antonia86, ice_babe, Apple Crumble, LittleDutchgirl, natsplatnat, her_welshness, dads_albums, supersavor, KONG, HomeAlone, kerryallc71, fredtheguava, xxxJOJOxxx, The Only Girl, uncreative, NeverAgain2, Penny Bridge, boot13t, lemanie, gree0115, cakeforbrains, hydrangea, Cynical Monkey, tripled, ShopaholicNumber1, Lwsi, CrazyKitten, Nargleblast, kirstle99, Polly Wolly Doodle, SMGee, D3P0, MissShoes, kb_soma, Chimping, StrawberryJam132, maria3104, happycrafter, bassitt74, Ratison, GingerFurball, Tammy2, NewlyFrugalMumof3, cottage_retreatist, boucho11, *zippy*, MNM2903, allydowd, joee, Zabki, 7roland8, naughtymonkey, babyplum, NorthernMonkey1, Time to face the music, melwright, Daerve, johnboyinsole, Ali-OK, thewalrussaid, kika, Skinnylatte, fevlo, Seanymph, Smedley, poohbear59, happybunny86, spot3, xxlouisexx56 , Idollic, hannah2010, MrWillyWonka, Getmeoutofdebt, powellypowelly, AlexLK, Laconic, cluckyhen, rising from the ashes, KirstyO

    ----

    Welcome to the Debt-Free Roll of Honour.

    This is for Debt-Free Wannabees who are no longer Wannabees.

    Please report

    a. The date of your lightbulb moment
    b. Debts at their highest
    c. Debt-Free Date
    d. Your one perl of wisdom.
    e. Links to the MSE guides that helped you
    f. Which forum threads helped you
    g. And if you had a debt diary on the Debt-Free Wannabe board (DFW), a link to it

    And huge congratulations

    Martin

    PS Please no one else post - let's keep this a pure record of successes

    PPS Please come back to let us know Debt-free No Longer Wannabes - What they did next" discussion to tell us what you've been up to."

    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Andrea; 03-01-2017 at 12:43 PM.
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.

    Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.

    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
Page 82
    • Samoens12
    • By Samoens12 8th Jan 17, 5:19 PM
    • 42 Posts
    • 108 Thanks
    Samoens12
    Please report

    a. The date of your lightbulb moment 16/06/2015
    b. Debts at their highest : £153,000

    c. Debt-Free Date 1st December 2016
    d. Your one pearl of wisdom. TAKE ACTION - MAYBE TINY STEPS BUT JUST TAKE THE FIRST
    e. Links to the MSE guides that helped you. the advice and kindness of Bobarella was the best!
    f. Which forum threads helped you All debt free wannabees, the support and advice, mainly as a lurker/learner but also a poster when needed
    g. And if you had a debt diary on the Debt-Free Wannabe board (DFW), a link to it Ramblings of a mad woman
    Business : Landlord £26k HSBC OD £12250 CC £3720 Suppliers £1326

    Personal: CC1 2923.20 CC2 9638.29 now £2324 OD4927.23
    • Bonglecat
    • By Bonglecat 8th Jan 17, 5:23 PM
    • 207 Posts
    • 1,569 Thanks
    Bonglecat
    a. The date of your lightbulb moment
    March 2010

    b. Debts at their highest
    £43,213.33

    c. Debt-Free Date
    20 December 2016

    d. Your one pearl of wisdom.
    Shopping lists, and ignore social pressure to have "things" at the cost of your peace of mind.

    e. Links to the MSE guides that helped you
    Didn't use them

    f. Which forum threads helped you
    The Pay ALL your debt off by Xmas <<fill in the year>>

    g. And if you had a debt diary on the Debt-Free Wannabe board (DFW), a link to it.
    It's in my signature.
    My Debt Free Diary LBM March 2010
    M&S Credit Card £0
    £2 Coin pot Holiday Savings £76
    Debt Free by Christmas 2016 No 131 £9155.73/£9155.73 100% COMPLETELY DEBT FREE 20th DECEMBER 2016
    Goals for 2017 Emergency Saving fund £2000.12p/£5000
    • Lincsdebt
    • By Lincsdebt 12th Jan 17, 2:09 PM
    • 93 Posts
    • 74 Thanks
    Lincsdebt
    Lightbulb moment: August 2010


    Debts are their highest: around £104,000


    Debt-free date: 22 August 2016. Completion certificated issued 12 October. My IVA disappeared from the Register today!


    Pearl of Wisdom: Buy what you need, what you think you want. Make your own lunch to afford the occasional treat.


    MSE guides used: various


    Forum threads: IVA board, Pensions board


    Diary: I had one for a few months only
    • YGASaddler
    • By YGASaddler 12th Jan 17, 4:37 PM
    • 20 Posts
    • 347 Thanks
    YGASaddler
    Lightbulb Moment - October 2011

    Debts at their highest - £16,500

    Debt Free - December 2016

    Pearl of Wisdom: You will have dark days where you dont think you will see the end of it but trust me you will. After 6 years of paying into my IVA and scrapping the barrel every month I now have money to treat myself and my partner. Just never give up and never try getting credit elsewhere!

    MSE guides used: various

    Forum threads: IVA board, Pensions board
    • mrskingandthescarecrow
    • By mrskingandthescarecrow 14th Jan 17, 3:33 PM
    • 95 Posts
    • 402 Thanks
    mrskingandthescarecrow
    Light bulb moment: 2008
    Debt at highest: 97k but some were still accruing interest so have repaid over 100k
    Debt free date: September 2016
    Threads: Pay your debt off by Xmas. Great motivator and good to look back on each year.
    Pearl of wisdom: Budgeting for the future rather than just doing income and expenditure for that month. I have a spreadsheet that I balance to my accounts every day. It enables me to put future income and expenses in and turns red if my account looks like it could go under a certain level. This helps me keep spending in line. I also allocate every penny of income into a pot on my spreadsheet. This means that any money not needed to pay this month's bills or this year's car insurance gets put in the savings pot. I also detached myself from the balance I see at the cash machine. (I may have x amount in there but only y is available to spend).

    Probably had one of the highest debt balances I've seen on here. It wasn't all from overspending. I had a failed business and me and my then husband had debts from previous marriages and he had child support to pay on top of their debts. Husband wasn't very good at being frugal and the debt did cause a lot of arguments. Being single does make it easier to manage my accounts now that no one else is dipping in when there's just enough left in to cover the direct debits. But the debts were one of the main factors in us splitting up. Which is sad.

    Once I'd taken proper control of my finances, the debt balance seemed to reduce after quite easily and this was enough to keep me motivated. I have also changed my spending habits too over the years and now buy what I need rather than what I want. I had to strip my budget to the bones to free up as much money to clear the debts as quickly as possible. I took (and still do) my lunch to work everyday, the kids also take a packed lunch despite having to make 20 sandwiches a week being an extra chore. Holidays were out of the question and I stopped spending on clothes, alcohol (don't smoke anyway) and anything else that wasn't essential. It took me 8 years to clear all the debt. We went on our first camping holiday last year, which we all loved. It cost a fraction of a foreign holiday or caravan holiday and it was all paid for from savings.

    I am now saving for a house deposit and have joined a savings challenge over on the savings board. Once I have bought my house, I will join the mortgage free wannabes.

    My advice for anyone reading this who is aiming to be debt free is to be prepared to reduce your lifestyle to increase debt repayments and get a good Budgeting tool to track current and future expenses. Preferably create your own free spreadsheet with pots for each category. Then allocate all income into a pot and stick to your budgeted amounts.

    Finally, I need to say a huge thank you to all the users who took the time to reply to my posts over the last eight years. Your support was hugely appreciated and kept me on the DF path. Also thanks to the users who's diaries kept me motivated and the administrators of the challenges I have taken part in over the years. Thank you x
    Last edited by mrskingandthescarecrow; 14-01-2017 at 8:03 PM.
    Debt in 2008 - £97,417 *DEBT FREE - SEPTEMBER 2016*
    #107 - Save £12k in 2017 Challenge - £2,315.22/12000
    HOUSE DEPOSIT - £6,499.76/20,000
    • LionessInWinter
    • By LionessInWinter 15th Jan 17, 6:47 AM
    • 356 Posts
    • 2,254 Thanks
    LionessInWinter
    Congratulations to everyone on becoming debt free, well done
    PAYDBX17 - #9 £8980/ £14000 Paid £1000/£1000 credit card , £2980/ £8000 car, £5000/ £5000 loan [/SIZE]
    • sillyvixen
    • By sillyvixen 20th Jan 17, 9:46 PM
    • 2,934 Posts
    • 4,449 Thanks
    sillyvixen
    After an inheritance from my mum I am debt free just paid the last bit off and I have £1000 emergency fund set in place. It's a shame my mum never got to see me debt free but I think she would be happy I used to money to get back on track.

    At it's highest I was 16.5k I had 8k left and I received £8500 from my mum but after settlement figures were given I still have £1000 left. Now I'm not in debt now it's time to start saving for a deposit to buy my house.

    It will take a long time to get my credit rating back up enough to be able to get my mortgage but that will give me time to save for my deposit. I am going to do this
    Originally posted by Bipolar_debt
    I spent 4 years getting my debt down from 12500 to 8500 with help from lots of lovely people on this site who taught me ways to save money, stop living in my overdraft and use the money I had saved to pay more than the minimum amount on my credit card. My mum died in Sept 15 and in January 2016 I got a cheque for £10,000 inheritance the first thing I did once the cheque cleared was pay of my debt and put the rest into my building society account. I still look at my account every few months and decide how much I can put into the building society.

    My mum's death has given me freedom from debt, but it is bitter sweet, I would rather still have my mum.
    Dogs return to eat their vomit, just as fools repeat their foolishness. There is no more hope for a fool than for someone who says, "i am really clever!"
    • fairycherub
    • By fairycherub 28th Jan 17, 12:43 PM
    • 135 Posts
    • 44 Thanks
    fairycherub
    debt free with C A P
    i made myself ill with worry and ended up in hospital. Ive never been good with budgeting etc. Family mosaic put me in touch with Christians Against Poverty they are brilliant, and you dont need to be a Christian to get help. They sorted through my creditors and started the ball rolling. https://capuk.org/i-want-help/cap-debt-help/how-cap-can-help . they sorted out a plan and a way forward. More importantly they taught me how to budget , Now I'm debt free , no longer scared to open the door or pick up the phone . They listen and dont judge. I would highly recommend calling and it doesnt cost you a penny .
    • Cat Loving Lady
    • By Cat Loving Lady 28th Jan 17, 1:00 PM
    • 36 Posts
    • 30 Thanks
    Cat Loving Lady
    Finally got there !!
    LBM - March 2013

    Debts at highest - £29,890

    debt free date- 26/01/2017

    Pearl of Wisdom - take credit cards out of your purse and hide in a sealed envelope in a box. Budget for everything and stick to your budget. Before you buy any indulgences think twice and think about the money going towards those debts first.

    Guides - credit card switching

    Forum threads - debt free diaries

    Diary - didn't have one
    • lcc86
    • By lcc86 30th Jan 17, 7:38 PM
    • 872 Posts
    • 2,079 Thanks
    lcc86
    10 years in the making!
    Light bulb moment - around August 2012, a few months after I bought my first property

    Debts at highest - in the region of £10,000-£11,000.

    Debt free date - 30/01/17 (I don't think I'll ever forget that date now!)

    Pearl of wisdom - if you end up in debt, don't beat yourself up over it. Budget - I've used a spreadsheet for years and have finally got it working for me. Also get support from places like this. There have been times I've felt like a mad woman rambling away to complete strangers, but it's really helped get me through the worst times.

    MSE guides used - various debt free diaries, challenges, particularly the NSD ones and low spend Christmases etc.

    Forum threads - debt free diaries - I would've read more if there were more hours in the day but subscribed to those I could

    Diary - http://forums.moneysavingexpert.com/showthread.php?t=5124473

    Thank you MSE forum for all your support!!
    1/12/14 total £9,140 DFD 30/01/17

    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my DFD

    2017 365 day challenge £317 saved
    • FireWyrm
    • By FireWyrm 2nd Feb 17, 5:00 PM
    • 6,415 Posts
    • 12,130 Thanks
    FireWyrm
    I have been gone for a while, but some of the old hands might recognise the name.

    So, what a year 2016 was. I didnt make my 2015 deadline, but boy did I smash it in 2016. A new baby arrived in February and by June I had decided that I had no intention of being a wage slave anymore. I finally decided to go self employed and started by first contract on July 4th, a date that was independence day for me in every way. I finally paid off the last of what we owed by the end of the month following. I decided that even if we had to eat ramen for that first month, the debt was going, so I took my first independent invoice and paid off everything outstanding. We were and remain debt free and I can finally say it is all over. My business is growing and there is more work than I know what to do with - hence my long absence.

    Light Bulb Moment - Flickered on and off for a while but really crystalised in 2013 when I found myself standing at a checkout with a belt full of food, first day of the month and we were broke and my card was declined. That meant that our overdraft was maxed out and even the bank had lost patience. That was it, we had to fix it.

    Debt Free Date - August 2016. I forget the actual date, but it doesnt matter really.

    Total Debt Paid - Somewhere north of £25K when all was said and done. The final push was £4000 and it hurt, but it was worth it.

    Pearls of Wisdom - plan everything. Get yourself a good accounting package (see my signature) and stick to it. Be ruthlessly honest with yourself and if you want to buy something, write it in a book and let it sit for 7 days. If you still want it and you can absolutely afford it for cash on the 8th day, buy it.

    Forum Threads - I usually hang out on DFW. I like to help where I can.

    Thanks MSE for everything.
    Debt Free! Long road, but we did it
    Meet my best friend : YNAB (you need a budget)
    My other best friend is a filofax.
    Do or do not, there is no try....Yoda.

    [/COLOR]
    • NigeWick
    • By NigeWick 3rd Feb 17, 7:16 PM
    • 2,666 Posts
    • 970 Thanks
    NigeWick
    Paid off the mortgage November 2015 which was our last debt. Just paid the last instalment for my pre paid funeral so once again now have no debt at all.
    The mind of the bigot is like the pupil of the eye; the more light you pour upon it, the more it will contract.
    Oliver Wendell Holmes
    • FinallyDebtfree2017
    • By FinallyDebtfree2017 3rd Feb 17, 10:36 PM
    • 82 Posts
    • 67 Thanks
    FinallyDebtfree2017
    FireWyrm you are back, well done
    GOAL 30th November 2017 - 100% paid off, 0% debt left
    31st March 61% paid off
    March 2015 Debt at Highest
    • miss empty piggy
    • By miss empty piggy 3rd Feb 17, 10:55 PM
    • 586 Posts
    • 5,830 Thanks
    miss empty piggy
    DFW Nerd Number 600
    reporting DEBT FREE today
    DOH's house finally sold as has mine. We've bought a new place together and paid off every penny (apart from the mortgage).
    So happy. xx
    RYASAW 2017 Total to date:£3258.98
    DFW Nerd No: 600
    • 2catsandcounting
    • By 2catsandcounting 9th Feb 17, 12:15 PM
    • 59 Posts
    • 53 Thanks
    2catsandcounting
    Please add me to the debt free roll call!

    Lightbulb Moment November 2014 - i was about to move out of the safety of my parents house and make it on my own. i had to get my life sorted!

    Debts at their highest £6500 - not huge but a mixture of payday loans and student overdraft!

    Debt-Free Date 9th February 2017

    Your one pearl of wisdom My one piece of advice to anyone is: Don't be afraid to ask for help! I had a DMP with stepchange and they were so helpful, and understanding. Talk to someone, be it your partner, family or friends. Things for me became a lot easier when i fessed up to my partner what was going on - he couldn't understand why i was on a decent salary but always seemed to be skint, when in reality £300+ a month was on debt repayments. When I told him, he re-worked our house budget and it made things a lot easier for us!
    • Merlinetta
    • By Merlinetta 11th Feb 17, 5:25 PM
    • 4 Posts
    • 18 Thanks
    Merlinetta
    a. The date of your lightbulb moment
    February 2012

    b. Debts at their highest
    £18,030

    c. Debt-Free Date
    11 Feb 2017

    d. Your one pearl of wisdom.
    Snowball payments and BUDGET!

    e. Links to the MSE guides that helped you
    Most of them helped me.

    f. Which forum threads helped you
    I read and re-read the DFW board and Old Style Money Saving board.

    g. And if you had a debt diary on the Debt-Free Wannabe board (DFW), a link to it
    No diary. And this is only my second posting I think! You don't have to be posting to get the best from the site. I've just lurked for a very very long time. But reading everybody's advice has helped me enormously so I'm posting today to say a big THANK YOU! I couldn't have managed it without you all. I wish I had found this place much sooner than I did in my journey.
    • cazmanian_minx
    • By cazmanian_minx 17th Feb 17, 3:11 PM
    • 4,004 Posts
    • 18,419 Thanks
    cazmanian_minx
    I am happy-dancing today

    a. The date of your lightbulb moment - June 2012, though it had been flickering a long time before that. Made a couple of bad business decisions and ended up with credit cards and overdrafts totalling....
    b. Debts at their highest - £27,560.88
    c. Debt-Free Date - 17th February 2017
    d. Your one pearl of wisdom - remember that the way to eat an elephant is one bite at a time. Keep slogging away at it.

    My DFW diary is here: http://forums.moneysavingexpert.com/showthread.php?p=72117113#post72117113

    and I'll be heading back to the MFW boards, where I started before things went pear-shaped, to start working towards my goal of paying off the borrowings on both my house and the one I'm renovating at the moment.
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £169,936.86 Amount paid off: £7,480.00 (4.22%)
    Sugar days 2017: 15/26 Debt-free: 17/02/2017
    • crunch_time
    • By crunch_time 17th Feb 17, 5:14 PM
    • 938 Posts
    • 2,308 Thanks
    crunch_time
    Well done caz!!! You were the first diary I started following nearly 3 years ago. Will hopefully be joining you soon xx
    LBM June 2014.
    Original debt £23,555 vs Now £0

    PAYDBX 2017 - #85 £12,675/£2800 77% Paid!! (Currently on hold due to......)
    Husbands Credit card (0%)£3549 My Credit card (0%) £1379
    Savings pot £500 Long term savings (finally) £740
    • SkintTeacher
    • By SkintTeacher 24th Feb 17, 7:58 PM
    • 323 Posts
    • 1,861 Thanks
    SkintTeacher
    A. The date of your lightbulb moment
    July 2016

    b. Debts at their highest
    £1400

    c. Debt-Free Date
    28 Feb 2017

    d. Your one pearl of wisdom.
    Fun can be free.

    e. Links to the MSE guides that helped you
    I read pretty much all of them and used little bits from each.

    f. Which forum threads helped you
    All the debt free diaries
    All the NSD challenges
    The frugal challenges

    g. And if you had a debt diary on the Debt-Free Wannabe board (DFW) - search SKINTTEACHER


    • anxious2
    • By anxious2 28th Feb 17, 12:39 AM
    • 15 Posts
    • 69 Thanks
    anxious2
    a. The date of your lightbulb moment
    February 2013

    b. Debts at their highest
    £44,724 This seems insane to me now!

    c. Debt-Free Date
    26 Feb 2017

    d. Your one two pearls of wisdom.
    Don't let your past rule your future. Once I had my lightbulb moment, I came here, realised I was not an awful human being and I did have a way forward, and drew a line under my financial past that same day. From then on, my finances were very firmly separated in my mind - the debts were something separate to be dealt with, and my financial life from then on was something I could change and control. Looking at it this way meant I felt hopeful for my future for the first time in years.

    My other, less emotional pearl of wisdom is to be completely honest about how much you need to live on. When starting my DMP, the temptation to trim my budget to the bone was huge. However, it realistically would have only shaved a few months off the debt-free date, and by accounting for every eventuality in my budget, and following the advice from StepChange, I was actually able to have a small emergency fund saved throughout, which removed a huge amount of stress and pressure. This had the added bonus of making me feel like I had some money of my own that I was in charge of, and that was such a positive thing for me! Good practice for being debt-free too

    e. Links to the MSE guides that helped you
    Too many to post!

    f. Which forum threads helped you
    I read the DMP Mutual Support threads religiously! I am not one for posting lots, but I did post for advice at the beginning - mainly to reassure myself I was doing the right thing! The people on those threads are absolutely amazing. It truly was my safe space when I was petrified about what was going to happen to me at the beginning, and they really made me see that the sky wouldn't cave in, and that life would go on and get so much better. I feel guilty that I never post on there any more, and that I took all the advice and basically disappeared. However, I found I coped so much better when I mentally moved on from the debts, as I said earlier. I began to feel that by dwelling on them every day, it was just bringing me down. I still look in on those threads occasionally though, and I love to see the people that started their journey along with me doing so well now.

    g. And if you had a debt diary on the Debt-Free Wannabe board (DFW), a link to it
    No diary, kind of wish I had one to look back on now though!

    Thank you to every single person that gives support and advice on this forum. Being deep in debt is so totally isolating, I felt so ashamed and hopeless at my lowest point, and the people on here make you realise you are not alone. Nothing is insurmountable, every debt problem really can be solved, and the sooner you start, the sooner it's over and you can move on with your life!
    Last edited by anxious2; 28-02-2017 at 12:45 AM.
    DMP with Stepchange started 1st April 2013
    Total debt as of Apr 2013: £44,724 £41,050 £0 Finally debt-free as of 26th Feb 2017!!!
    Finally facing up to my finances
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