Halfway done.

TinyPomegranate

I just realised that I'm already 6 months into my bankruptcy. It's gone in a flash. I am annoyed with myself that I hesitated for such a long time, because it could all be over by now. I know everyone says it, but it wasn't a fraction as scary as I thought it would be. The first few weeks were confusing and nerve-wracking, sure. But now it's half over, and I'm learning to budget well, and I have lots of little pots of "savings" building up for annual/one-off expenses which would've all just gone on cards before.

That's all. I just wanted to offer some encouragement to someone who might be having a hard time making decisions. If you think it's right for you, don't let fear put you off.

KeepOnKnitting

Well done you. The only way is up now.