Debt-busting newbie

[Deleted User]

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WinterWarrior

Good luck sunshine. Starting with an soa to look at all your income, assets and outgoings is a good place to start. Also budgeting for gifts and going out and then sticking to it is a good step, though hard at first. It is hard to say no to things, but your priority should be looking after ‘future you’ by clearing the debts. 

I like Dave Ramsay and his snowball method and straight talking, although he’s not for everyone 😬
Its taking me a long time to get into the cutting back mindset, it’s not easy, but it will be worth it. 

anjyeah

Welcome! Just dropping by to cheer you on

@WinterWarrior is right - you can start by doing an SOA. And you can post it on here when you're ready - you'll be surprised with the suggestions you might get once you do. Personally, seeing your numbers (income and outgoings) also puts things into perspective. 

And you look like you have a plan sorted - which is positive. Keep posting on here and we'll be happy to cheer you on. Good luck!