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So here i am again......
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For me budgeting is everything! I had a spreadsheet for everything, incomings, outgoings, Christmas, birthdays, eventualities - every single penny I had was accounted for.
Its a little different as I didn't have children when I had my debt like you do but I'd still recommend spreadsheets and planning, from there you can see where each penny goes and you wont "lose track" of any money
Start off with smalls steps Debt free once - Back again | Current debt: £2479.50 - January 2025 | Make £2025 in 2025 #11 - £41/£20250
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