I’m a massive advocate of personal responsibility and accountability, in all things, especially when it comes to health and finances. But I didn’t always use to be this way.
After graduating with 2 degrees I didn’t want to do and entering the job market out of necessity rather than choice, I ended up keeping up with the Joneses whilst drowning my misery in distractions. This lead to me maxing out my credit cards, and taking consolidation loans, multiple times whilst also permanently living out of my overdraft.




