I dream of the day that we will be completely out of debt.   Of course, at one point that was a reality…however, we’ve turned the corner and we’re back to owing the bank.

In the end I hope it’s all going to be worth it!

We do pretty well with our debt and are able to pay it off in a timely fashion - plus, we have excellent credit.    We have a friend who had to get an IVA.   That stands for Individual Voluntary Arrangement.   She decided that she needed help with her debt and went to a company that helped with the payments.  

We’ve also had other friends who have done a consolidation loan for their debt.     Since their debt APRs were out the roof they came out much better with a low interest loan.

Debt management can be a hard thing to do.   Especially when you’re so buried and don’t know where to start.    Thriftyscot.co.uk can help get you back on track and on the way to financial independence!

This post sponsored by:  Thriftyscot.co.uk