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23k debt - must go in 36 months!

Hi all, I had my light bulb moment in April this year and Im finally getting myself on track! Already gone from 23700 to 22700 since April and I'm determined to be debt free (except mortgage - next challenge) in 36 months. We have cut back on most things and we are now finally getting sorted out. Tax credits cuts will be hard but I will have paid off 4 things by then so I should manage. Excited about working through my debts and paying them off :-)

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