Although I think my job is secure and I have a little savings to cope with any minor emergency I can’t help feeling that my finances are a little fragile and feeble. Debt is putting a strain on my finances and eating away at my money.

For me it seems the only way to help get your finances back on track is to stop using credit. The goal is to strengthen your wealth by paying off debt. For me that means paying off over £65,000 in debts.

This is a big financial goal and the only way paying this off is going to happen is to repair bad spending habits and come up with a debt repayment plan. The strategy going forward will be to learn budgeting skills, cut costs and sort out my financial disorganisation.

First I’ll pay off my credit cards, then my loans and finally deal with family debts. It’s going to take some major changes and commitment but until the debt is paid off it’s harder to build any wealth because you money disappears in interest payments.

Debt weakens your financial strength and eats away your money. A solid foundation for getting richer means paying off your debts as quickly as you can. To ensure financial success you must kill your debt and bad financial habits. Doing this will maximise your income. What are your financial goals? Are you sick of all the debt you’re in?