In this video I’m sharing something really personal: how I ended up in over £20K of debt and how, after six years, I’m finally debt free. I talk you through the total amount I owed, the interest rate, and then I break down each time I borrowed money — from the first loan right through to the fifth — so you can see how it all added up over time. I also go into what my monthly repayments looked like and how I approached overpayments, because that’s genuinely what helped me get to the finish line faster. If you’re in the middle of your own debt-free journey (or you’re worried you’re heading that way), I hope this feels like a really honest chat that makes you feel less alone. My biggest takeaway is that it can take time, but you can turn it around — and understanding the “why” behind the borrowing is just as important as the numbers.