Getting through debt can seem like an uphill battle, but it's worth it.
Jay Stansfield, from Lancashire, racked up close to £100,000 of debt – from his mortgage, credit cards, overdrafts, rent arrears and mortgage arrears.
Small daily shops all started to add up and Jay even remortgaged his house with the aim of decorating – but ended up using some of the money to go on holiday. ‘It made a significant impact on my perception of money coming in and going out and brown letters through the post used to make me feel sick, even if they were nothing bad.
He adds: ‘Growing up in such a strong-willed family, I wanted to prove to myself that I could work through the debt and learn how to handle my money better.
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