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Quality of life.
Comments
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Yes,a n SOA would help. Remember that for every month that you spent more than you earned you have to have a month where you spend less than you earned by the same amount plus interest. You might not feel like you have a "good" quality of life now but you're comparing to when you lived a better life than you could afford.
Anyway, I think you need a bit of perspective on what a poor quality of life is. It means not enough to eat, clothes with holes, not being able to put the heating on, barely affording public transport never mind owning a car.
What did you spend all the money on? Can you sell any of it to pay off your debts? Don't forget to snowball them.I'm a qualified accountant but please make sure you get expert advice as any opinion is made in a private capacity.
"A goal without a plan is just a wish" Antoine de Saint-Exupery
Mortgage overpay 2012: £10,815; 2013: £27,562
Mortgage start £264k, now £232k0
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