Yes, I’ve got some debt. It’s a source of great regret, but I’m sure that by the time I have paid it off it will be a source of great pride. There’s no need to go into detail here as to how I managed to get into such a mess, suffice to say there will be hints and allusions to it. However, the real message is about how I am going to get out of my position and my progress along the way.

I have received great help from a fantastic debt charity here in the UK by the name of Step Change. I cannot express how grateful I am that they have been there to act as a buffer between me and my creditors.

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