Calm not chaos

canvascamper

Hi! I've been here before (a few times) and still not tackled the debt. Currently living in a world of repayments, credit card shuffling, pay-in-3 and flex chaos...
I've tried the obsessive budgeting every penny approach and it doesn't work for me - see also healthy eating/exercise/home improvements etc etc
I need calm and small steps or I just give up feeling overwhelmed.
Will be back in the next couple of days with a list of debts to tackle.

Positive step today - submitted my tax return. I've underpaid tax and student loan 😭 - the joy of having 2 different PAYE jobs so need to work out how to repay.

See you soon!