Monthly Archives: May 2013

Emergency Fund – to have or not to have?

Lately, I have been reading a lot about Emergency Funds and savings accounts, and whether there is a real need for them while still paying off your debt. I personally do not have an Emergency Fund and I put every spare penny towards debt repayment. I have always thought that if there is debt to […]

Cutting Back

It has now been almost a month since I made my decision to get out of debt as soon as I possibly can. Each day I try to think of ways to save a bit of money here and there which means I have to cut back on quite a few things. Habits are hard […]

Let’s Talk Numbers

Since I turned 18, I have always had some sort of debt. Whether it was a student loan, or a credit card debt, or a car loan, there was always something holding me back financially. It took me years to repay my student loan (6 years) and my car loan (3 years) along with some […]

So it begins…

This has finally happened. I got back from my holiday just under two weeks ago having spent all my money on eating out, entertainment and other things you normally spend money on while travelling. Do you want to know what is shocking? The shocking fact is that I had exactly £40 in my bank account […]