About us
Our Story
Only a few years ago, we were living a very different lifestyle. Overspending, not budgeting properly, and only paying the minimum balance on multiple credit cards slowly landed us in a mound of consumer debt.
Our debt included store cards, credit cards, loans, and overdrafts and for a long time, we thought this was just “normal life.”
reality hit hard
Eventually, we added everything up and the total was in the tens of thousands.
Getting into debt was entirely our fault, and seeing that number in front of us was the wake-up call we needed.
We reached breaking point and realised something had to change.
The first few weeks were overwhelming as there’s so much conflicting information online. But we created our own plan and committed to following it through.
Our debt free journey
Our journey took over three years and was full of lessons and challenges.
We destroyed our credit cards, downgraded our cars to free up cash, and listed every single debt so we could see exactly what we were facing.
We cut back hard on spending, renegotiated bills, and focused on one goal: freedom from debt.
We used the debt snowball method, paying off one debt at a time.
And yes, while the avalanche method might have been slightly quicker, the motivation from early wins kept us going and it worked for us.
The biggest breakthrough came when we learned how to use our bank accounts more effectively for budgeting and accepted that no one gets budgeting perfect straight away. The key was persistence.
We didn’t use any side hustles along the way just habit changes, discipline, and determination.
why we created debt-Free.co.uk
After clearing our debts, the feeling was life-changing.
We finally had breathing room to save, invest, and plan for the future and we wanted others to experience that same freedom and peace of mind.
Debt-Free.co.uk was created to share everything we learned through real experience, the practical steps, the mindset shifts, and the emotional ups and downs.
We’re not financial advisors, just a family that has lived through debt and come out the other side.
Debt is a serious issue in the UK, and millions face the same struggles every month. We want to help by sharing the tools, knowledge, and motivation we wish we had when we started.
Side by side on your debt free journey
Wherever you are in your journey, know this: you’re not alone.
Progress might be slow, but every small win counts.
If we can do it… you can too.
Mission
Our mission is to empower people to break free from bad debt and to help everyone build a more secure, stress-free financial future
Vision
Our vision at Debt-Free.co.uk is to create a space where everyone has the knowledge, confidence and tools to live free from the burden of debt
