Personal Finance Blueprint

In 2018, shit hit the fan

I was…

• Living in a dirty shared house or sofa surfing
• £6000 credit card debt with high interest
• Owed HMRC £3000 for late filing fees
• Constantly in my overdraft
• Drug + Alcohol habit
• Anxious about bills
• Stealing food

It was the lowest point in my life

I used this exact framework to correct my financial situation

And I detail some of the mindset shifts that occurred to put me on the right track

In this file you can also access my pre-made budget spreadsheet that I use every day to manage my money