I wish I could tell you exactly how it happened some bad choices in life. a small operation trying ti set up and start a new business that i put my heart and souls into and defiantly some fuck it i’ll just put that on the credit card. but that lead to me being in £13000 of debt that i’ve been struggling to get out ever since.

but enough is enough and it’s time i get this gone once and for all. so i’ve moved into a van for the next 8-12 months to keep cost low to work my ass off and clear as much as i can and really get my life back on track.

I wish I could tell you it was an easy one that will be fixed over night by winning the lottery or something like a consolidation loan that I have to pay back for the next forever giving me 5 years of bad credit that hinders you life even further but no its pure and simply going to be achieved by good old fashioned work my bloody ass off and well keeping life and spending as minimal as possible.

And working my ass off is kind of the only thing I know how to do, fortunately I have a great job that I am very proud of ( so I hope I don’t lose it for any reason) that at base is paying me around 500 a week on 39 hrs, but its a job of opportunity to do well literally as much overtime as legally possible and at present I’ve been doing just that I’m currently on day 13 of 14, before getting 1 day off and starting again but that has meant that my weekly rate has jumped to around £750 which is around 3000 a month if my math is correct,

From here its then about keeping my spending as low as humanly possible no coffees out 4 times a week no charity shopping and certainly no random pints after finishing work on a Thursday night, I’ve cancelled every subscription I had minis Spotify and Netflix because id be so lost without music and well - love is blind season 2….. 

So at present my outgoings are for the van I still have finance on (8 months left) my phone, Spotify, Netflix, the gym (that I’m using just for the shower if I’m being honest) food and well as we all know there is bound to be some random miscellaneous spend I havant thought of and I think that all works out at around £800 a month, 

So provided nothing drastically goes even more wrong in life I should be left with with basic 39hr £1200  with no OT or  £2200 with to just clear clear clear that bloody debt. And that’s it, that’s the master plan where I’m gunna have no life for 8 -12 months while I try and weather this bloody shot storm I found myself in, 

Its gunna be tough I’m under no illusion of how hard it is living in the van having very little joy in life but I’m here to change that, who’s with me for this well journey i’ve  found myself on because its gunna be one bumpy ride full of highs lows and everything in between