goppo

I made it a personal goal & a priority to become debt free.
1. I controlled my spending
2. Managed my debts
3. Created a payment plan & stuck to it.

I created a spreadsheet with all my outgoings & income on to show what i was spending money on & what I had left to service my debts.
I looked at my various debts & tried to ensure I got them on the lowest possible interest rates (balance transfers onto 0% rates etc) Interest is the killer so once I got to grips with limiting how much interest I was paying that really helped!

I then created a plan to pay a certain amount each month to show when the debts would be paid off. Once I had that milestone to aim for it was easier for me to stick to the plan. Getting out of debt was my priority and I had to make a few sacrifices (nice cars, toys, luxuries etc) but I’m glad now I did.

Just over a year left of studying until I qualify for my Engineering honours degree (assuming I pass).
I’ve got my courses planned out so all that remains is to hit the books!

I want to rip out the old path, fit new paving slabs & fit some decking.