I'm heading for a debt free life thanks to Dave Ramsey.
Thanks to Ramsey Solutions and the The Complete Money Makeover, I will be out of debt by October 2025 and have fully funded 3-6 month Emergency Fund by April 2026. The Every Dollar App isn't available here in the UK but I have set up a spreadsheet budget and work to a 'Zero Pound' budget each and every month. 'Every Pound has a job'.








