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2 years to get debt free
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I agree with FW here - you have simply got to cut right, right back on a lot of things. Going bankrupt will be a lot less fun than making cut backs right now!!
It amazes me how many people will say to me "but you don't have kids". No, I don't have any kids at the moment but I also know that local parks etc are free and kids still enjoy an hour or so there! I know people who say they don't have much money because of their kids but buy all kids branded food etc which is much more expensive, not to mention probably higher in salt and sugar, they have multiple tablets and smartphones in the house etc and don't ever mend anything - they just buy new all the time. They also buy branded nappies etc when supermarket's own brands win lots of awards etc etc!0
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