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Up to about 30k loving it up on 20s . Long old slog to get back to zero now

sensible head says one thing , heart says another . . . .that 10k could be bloody fun been there mate :D

nsc seems very sensible, must be some horror storys out there , I know someone who has 20k on cards and loans and is constantly moving things around trying to stay one step ahead , the stress they go through would be a good advert to avoid it. Saying that they have a nice car , well kitted out...

house is seperate in this , I mean cards , loans etc I'm a home owner but am 14k in debt, soon to be cleared :clap2: