In my mid 20s I was desperate to travel the world before settling down and thinking about children. But – I had SO much debt, which made that dream impossible. I wrote down the total amount I owed on my fridge, saved what I could and crossed out the amount each month to replace it with a new, lower one. I loved seeing the total go down. It took a while (4 years) but persistence paid off and I remember feeling like I’d won the lottery when I reached zero! I kept going with the saving and finally took off for a year of adventure when I was 30. Since then I’ve had kids and could really do with that sign back on the fridge!