Where do I even start .... beginning of my journey

debftfreedream

Thanks for advice all.
I definitely haven’t been overspending of late, the debt only reduced by that as the rest went to overdue council tax which was obviously a priority.
My husband pays for all food and day to day expenses too which helps.
I’m definitely in the right mind frame to pay it all of, my habits are nothing like they used to be so I know I’m serious. I’ve jus muddled myself with so many direct debits plus I’m trying to study and work full time and have 2 kids I’m just tired more than anything lol