Balancing the Books and My Life….
With the increase in the cost of living, I really need to take my head out of the sand and start focussing on driving my debts and living costs down. Up to now I’ve been ambling along living payday to payday but I really need to start taking action and paying off my debts once and for all.
For background, we’re a family of 3, healthy income and a modest mortgage. On paper all should be fine and dandy, but we seem trapped in this payday to payday cycle whilst we pay off our previous errors.
Previous errors amount to in the region of 10k- no massive splurges, just a case of not having an emergency fund to cover mat leave, vet bills, car repair bills, replacement of broken appliances etc. Time to face the music for the final time……
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