I have been very fortunate and was left some money by my gorgeous grandma who sadly passed away in November. The cheque arrived last week and I am putting it to good use by clearing as much of my debt as is possible. Amazingly I could be entirely debt free by the end of the year. This is such a long way to have travelled since 12 months ago when I was staring bankcruptcy and homelessness in the face. But I am proud to say that I stuck it out and worked hard to turn it around and things have worked out. I am now living in a gorgeous home with a very considerate landlady close to the seaside right where I have always wanted to be. Life doesn’t get much better than that!