So here I am — in debt. Well to be honest, I’ve spent my whole adult life in debt, it’s just the norm. Really there’s no way out, everyone’s in debt… Anyway it’s no big deal.Yes, I would like to be free of debt, but is not really realistic is it… Is it?

OK, well I’ve had a bit of a revelation, an increase in confidence, an enlightenment. In fact, there is nothing I can’t do!

I recently met some fantastic, amazing people, who showed me that anything was achievable. And that actually, there’s no reason that I shouldn’t reach the highest goals of greatness and satisfaction…

I thank you Heather, Zandria I can see clearly now !

OK back to the debt, which I can reduce and get rid of, with the help of the Debt Free Playbook. I know I’m quite heavily in debt and to be honest I’m quite frightened to look, since it’ll confirm what I’ve been trying to ignore and convince myself isn’t a problem!

Big deep breath… Here goes… I’ve spent two whole days gathering details of all my debt and carefully adding it into the total sum of my fears.

In a conversation with Heather, I had guessed I had a total debt of £80,000. I had a feeling that I was exaggerating, and the real figure was much less. Heather suspected the same. After the sums were done, and I had a total in front of me I felt… the only word I can think of is despair.

£48,136.64.

OK, so it’s 30 grand less than I predicted, but still I was hoping - no, kidding myself - it was a lot less.

So now that I can see clearly, the real fun starts… Stay with me, because it’s gonna be one hell of a ride! And I know I can do it, because there’s nothing I can’t do!

I’ll keep you posted.