TIL the USA has a $2 bill!

Take a picture with the year (or your age) somewhere in the picture. In years to come, when you are scrolling back it’s good to know how old your toddle was when they helped make this.

Oh you’ll only find the UK version at Christmas sitting next to the turkey and stuffing I’m afraid!

In the UK pigs in blankets are sausages wrapped in bacon?

Dents are memories!

That’s one well “loved” watch! I bet it made you smile when you found it!

Is it a condenser boiler? If so it is possible the outlet pipe freezes and therefore no air can get in.

I dunno, it looks all white to me.

I heard your Mum had already got the job though?

Which is 9 world cups ago. If a team hadn’t won a domestic cup in nine seasons I don’t think people would call it elusive then.

Elusive for Messi possibly but Argentina have won it twice before.

No wonder it ended up in Goodwill!

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!

The way I see it you have 10 years left on that RBS1 loan with the 26% APR. That’s the one that’s gonna hurt you the most. I’d look to spend some time switching that if at all able (although that may not be possible until Dec’23).

After that the Britney loan will be done in 4 months so that gives you £50 back. I’d check to see which of your credit cards is charging the highest rate and pay it off that one.

Your outgoings - we all need our little luxuries in life but you really need to challenge yourself on them. You are spending £45 a month on a phone. Is that entirely necessary, you can get a cheap 2nd hand phone for £100 and a pay as you go sim form£10-15 a month. That would save you £360 per year.

YouTube premium, Spotify, Xbox account - is £38 good value when you look at the debt(£456 per year)? Again we all have different interests and we need some pleasures in life, can you drop 1-2 of them?

All the above (phone, Britney, media accounts) is £133 (£1596 per year), you could choose to redeploy that to paying off the debts.

You are taking the right steps to understanding the overall problem by listing and accounting for all of your outgoings. There is no quick win but discipline now has to be your mantra.

Saying all that I not a financial expert, just an average Joe, so I’d suggest checking out your local Citizens Advice bureau as the best plan!

I wish you all the luck