I thought I was debt free, I really did. I was, briefly. But then we bought a car. It all went a bit pear shaped! So, I'm getting myself a bit of a plan together to get back to being debt free. I spend too much, so I just need to cut back. I guess I'll have to try not to go out much over the next couple of months, while I try to save up some money for Christmas. Isn't that always a pull? I will invariably spend more than I can afford at Christmas, I usually do. I also have my sister's and mother's birthdays coming up over the next few months.
On the other hand, there are a lot of people in a lot more debt than me (my sister for example)
If only I had thought about being a bit more money savvy while I was at university. It shocked me that some banks are now offering over £3000 to new students – that's hardly a good idea! I know that the loan is a pittance, but it covers your accommodation and food, and if you need anything more then you can work, at least during your first and second years. (Even I did) They still will spend up until the max, and then some.
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