Hi everyone, I’m not really sure why I’m posting here or what I’m looking for. I am in a substantial amount of debt. I had my “light bulb” moment in February 2018 when I realised I really couldn’t go on living the way I was and things had to change.

At that point I had £30,322 in debt, I have completely overhauled my finances and since then I have paid off quite a bit, closed credit cards, online credit accounts etc and now have 1 long standing loan left, which was to run for the next 5 years but just this week I have refinanced it with a better interest rate and reduced its term to 4 years. My debt currently stands at £20,383 and will be paid back in 4 years for definite but I’m hoping to over pay it and pay it back earlier.

What I’m finding is that since I faced the reality that I was in a huge mess and needed to make changes (Feb 2018) I’ve become obsessed with getting rid of this debt. When I had smaller accounts it meant I could focus on paying them down and closing them, but now that I’m only left with my large loan I’m not getting the same feeling of relief from paying something off and closing it seeing it gone forever.

This is obviously going to be a long road to debt freedom (4 years) and I’m just looking for any advice of how I can cope with the next 4 years. My budget is so tight Ive made savings as many places as I can so what now? I can’t sleep I’m obsessively trying to think of ways to save money or earn more money.

Any advice welcome

thank you