Jenny Hammerton, London (a P.S.)

… and another thing … here’s the best sentence yet from your book ….

“You and no-one else, can decide how much of your discretionary income you’ll spend on non-essentials and how much is available to pay down debt.”

A lightbulb has gone on.  For me this is the CRUX of it all.  It’s up to me…


I like the wording “pay down debt” – it has definitely made me think that not spending up to the hilt every month will help me to decrease my debt. I’ve just been letting the money drizzle out of my account without actually thinking about where it is going and how just making some resolutions about not spending as much will help me creep back to the black.I will continue!