Apologies Astraclub for misconstruing and saying that you hadn't read the posts, it was an impression based on viewing a set of your posts which appeared to be very similar to each other in response to different problems. Congratulations on getting yourself out of debt, it is inspiring to see someone show it can be done. But I think the how is possibly the most valuable.Just to clearify, i read all the psot and found that almost all had many personal loans and credit card balance and i realized that paying off these is as equal as the take home....
And due to the fact that i was hit hard by these two issues and i still feel scared with these two.
I dedicate my success to come out from red was killing these two issues.