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@cbond007 Thank you for the lovely comment! I hope this post serves as hope and proof that anybody can turn their life around. This sub definitely helped a lot especially at the start when I was new to the concept of personal finance, so I owe it to everyone who contributes here as well as myself!

Afternoon everybody! Just wanted to share something positive as I don’t want to seem like a gloat to all of my friends considering the COL right now. A few years ago I was £9k in debt, jobless, a gambling addict who ended up with a CIFAS marker for fraud and a CCJ. Something had to change. I...