Debt-free

I can't wait to be debt-free. It feels like I've been in debt all my adult life, ever since I left university. I have had debt hanging over me from the age of 19 when I started at university, and I'm looking forward to this time next year as I will finally be debt-free!

To become debt-free, I have had to work unbelievably hard, earning any extra money I could, working nights and evenings, and often mornings. Some of the debt I had was only there because of interest - it just caused my debt to spiral out of control.

So, this time next year I will be living a new debt-free life, I will be happy as can be. I will keep you all informed week by week how I am doing in clearing my debts and moving towards my debt-free future!

Bad debt

I have really bad debts. They are really starting to grow and get out of control. The interest is sky-rocketing and my debt is turning into really really bad debt.

I did have my debts under control, but then I lost my job, and couldn't afford the repayments, and that's when they became bad debts.

I lose sleep at night, and think about the bad debt during the day - and until now, I thought there was no way out.

I did some research last night and found that some organisations offer free debt help to people struggling with their finances. I think I will phone up tomorrow and speak to someone about my bad debt.

I can't wait to be debt-free, I finally feel positive about my situation. I'm at the bottom, and with that debt help, I will be at the top very soon!