@an_ordinary_mum_in_debt: Starting debt vs today’s debt. For me, this is pretty amazing. If you’d told me 13 months ago that I’d still be going I would never have believed you. I so desperately wanted to stop relying on credit but I didn’t think I could do it. I had spent my whole adult life using credit without any thought or worry. I didn’t really know any other life. But I locked in - as my 12 yr old would say! No form of credit used since December 2024. And the overall total is coming down. Slowly, and certainly not perfectly. But we are focussing on progress over perfection!