Hi, I’m LT and I’m a spendthrift

I have been writing this piece for over a week, since last week Friday when I crunched up the numbers and realised that 5 years on from when I acknowledged¬†that I had racked up a massive amount of debt and decided to do something about it, I’m pretty much still in the same place. I am worth around -¬£30,000. The craziest thing about this situation is not how much I owe but the fact that this figure is speculative. I don’t actually know how much I owe for sure. Continue reading