I cried in my lounge over £16k debt – I paid it off in 18 months & now I’m a homeowner using a tip that can help you too

SITTING in his living room with tears rolling down his cheeks, Josh Munns felt a wave of panic surge through him as he received another email from the debt collectors. The 32-year-old would jump every time there was a knock on the door, panicked it would be bailiffs chasing him for the £16,000 he owed...