December

So here we are, the last month of 2015. How time flies when you’re having fun…

It’s started well though, with my final payment of the bankruptcy scheme. It’s been three years of payments, and in that time I’ve paid nearly £25,000 – which is kind of scary, seeing how it all adds up.

From January, I’ll still be making payments – but they’ll go towards my own savings, which will be a very positive step.

At the moment, current evidence is all looking like 2016 should be good…