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    the bare necessities, which was a sacrifice itself because both my wife and I love crisps, pizza and all those other unhealthy foods. We were both so frustrated with our situation.

    Every mont

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    When my wife and I got married a few years back, we entered into marriage with so many hopes, desires and dreams. Unfortunately, those hopes were all weighed down by the immense amount of debt we had accumulated during university.

    My wife had loans and credit card debt that had amounted to over ?25,000. I had accumulated ?11,000 in student loans, ?2,500 in credit card debt and I still owed over ?3,000 on my tuition fees that I couldn't cover.

    The Struggle The whole first year of our marriage was filled with heartache, disappointment, sacrifices, anger, and the anticipation of a new arrival. Every time we went grocery shopping, we had to keep ourselves away from the luxury food aisle or any other area that stocked unnecessary items.

    We could only buy the bare necessities, which was a sacrifice itself because both my wife and I love crisps, pizza and all those other unhealthy foods. We were both so frustrated with our situation.

    Every month

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    d accumulated during university.

    My wife had loans and credit card debt that had amounted to over ?25,000. I had accumulated ?11,000 in student loans, ?2,500 in credit card debt and I still owed over ?3,000 on my tuition fees that I couldn't cover.

    The Struggle The whole first year of our marriage was filled with heartache, disappointment, sacrifices, anger, and the anticipation of a new arrival. Every time we went grocery shopping, we had to keep ourselves away from the luxury food aisle or any other area that stocked unnecessary items.

    We could only buy the bare necessities, which was a sacrifice itself because both my wife and I love crisps, pizza and all those other unhealthy foods. We were both so frustrated with our situation.

    Every mont

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    d over ?3,000 on my tuition fees that I couldn't cover.

    The Struggle The whole first year of our marriage was filled with heartache, disappointment, sacrifices, anger, and the anticipation of a new arrival. Every time we went grocery shopping, we had to keep ourselves away from the luxury food aisle or any other area that stocked unnecessary items.

    We could only buy the bare necessities, which was a sacrifice itself because both my wife and I love crisps, pizza and all those other unhealthy foods. We were both so frustrated with our situation.

    Every mont

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    anticipation of a new arrival. Every time we went grocery shopping, we had to keep ourselves away from the luxury food aisle or any other area that stocked unnecessary items.

    We could only buy the bare necessities, which was a sacrifice itself because both my wife and I love crisps, pizza and all those other unhealthy foods. We were both so frustrated with our situation.

    Every mont

    Managing Yourself To Debt Management
    Rightly or wrongly, most societies today are very material. As such, debt is a part of our lives and we tend to take debt for granted. To some, who may be less disciplined than others, their debt is a natural extension of their personal finances. To these people, when you speak of debt elimination through some form of debt management program,
    the bare necessities, which was a sacrifice itself because both my wife and I love crisps, pizza and all those other unhealthy foods. We were both so frustrated with our situation.

    Every month, more and more bills arrived that had to be taken care of immediately or we risked the chance of ruining our already failing credit records.

    With my wife being pregnant, life wasn't easy, because after the first two months of pregnancy she got sick and couldn't continue to work. This caused a huge dip in our finances. All the stress of our money worries lead to arguments, which in turn led to anger, and resulted in us not talking to each other for hours. The strain on our marriage was almost unbearable. We really needed some help managing our debt and getting back on top.

    Debt Management Magic After year of arguments and sacrifices, we were finely able to sit down with a debt management specialist and finally hammer out some seriously needed plans. With

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