I wouldn’t say we are opening your eyes to how “bad it is”. You had already accepted you’d got yourself into a sticky place by listing the debts and seeking advice.

But you’ve now taken some positive steps to begin the process of recovering the situation but unfortunately it there is no quick solutions and it is going to be a grind.

Keep your chin up, although the debts don’t leave you much pocket money each month, your income is still on parr with your debt repayments so it could be a lot worse!

Create some sort of chart, use excel if you have the skills if not an A4 chart on the wall is a positive reminder of how far your progressed across a year. When the numbers seem dauntingly big, being able to see each total drop or each debt paid off can help you keep focused.

You’ve got this, we all screw up, it’s how you deal with it that matters!