Me: Earn 70K pa full time + 20K pa part time Age: 34+
Spouse: 45K pa
Owns 1 car
Flat still have 2/3, about 240K to pay off.
My Credit card debts about 40K.
Just started to save.
No kids.
Studying Part time degree.
Not feeling stressful but don't like be bonded by CC debts.
Hope to clear debts in 2 year's time.