Halfway there

I don't post an awful lot on this blog, simply because from month to month I often don't have a lot to say, or things haven't really changed.  But next month I hit a very significant milestone, as I pass the halfway point in getting rid of our family's debt mountain.

It has been a long time coming, nearly six years exactly, but there is even better news - I've managed to up my payments, meaning that the next half of the debt should be paid even faster!!

To put this into perspective, I've not suddenly come into money, nor have I been cutting back wildly.  It's been a long slog, and patience has paid a massive part in getting here.  It has been a long six years, but they have been good in terms of debt reduction.

The phrase "it's all downhill from here" is in my mind as I type this, and I hope that it can be an encouragement to anyone who reads this and finds themselves in the predicament I was in six years ago - heavily indebted and almost at the point where I had to give up.  I had spent too much that I didn't have for too long, and it nearly killed me.

I took on the services of a debt charity, who created a debt management plan, which I have stuck to rigidly.  If I wanted something, I had to learn to budget for it properly.  It was very hard at the beginning, but it's second nature now.  I have learned what is and is not worth it.

So please, if you find yourself in a similar situation, get advice, get a plan and get out of debt, however long it takes.