
"We cleared £14k of debt in 18 months"
Leah & Sam, 28 & 29 · Nottingham
We were the couple who never opened the banking app. Two overdrafts, three credit cards, and a low hum of dread every payday. A friend gave us The Total Money Makeover, we bought Your Money or Your Life to go with it from ApexYield, and something clicked when we saw our spending as hours of our life traded away.
We started the smallest-debt-first snowball on a Sunday. Eighteen months later the last card hit zero. We photographed the £0.00 balance and cried, honestly. Now we run a monthly "money date" with a bottle of wine and a spreadsheet — the least romantic, most romantic thing we do. The books didn't give us more money. They gave us a plan we could actually stick to.
