Credit Card Balance - Nil. First time in many years.

Congrats!

This year I have paid off my student loan, and all my other outstanding debts. I am now debt free and saving! I was saving before in spite of having the loans - but now I can save even more, or treat myself a little more regularly. :)

It's a great feeling!
 
Trouble is Im now thinking too cautiously! My trainers are starting to disintegrate and Im feeling too tight to even buy new ones because I dont wanna dent my wages straight away lol.

Oh how things change!
 
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