Overview

Drowning in debt and feeling like there's no way out? You're not alone - and you're not powerless. In this brutally honest, UK-based playbook, Sophie Halewood walks you through the exact steps she took to claw her way out of £40,000 of debt - without extreme budgeting, cutting out every joy in life, or pretending it's all easy. Written in real time, over 12 months, Debt-Free in 12 Months is part memoir, part manual. It's packed with strategies that actually work when your income is fixed, your credit cards are maxed, and your energy is running on empty. Inside, you'll learn: How to face your numbers without shame What to cut, what to keep, and where to find hidden savings Smart side-hustles that don't burn you out Exactly how to build (and protect) a breathing room fund How to stay emotionally sane when everyone else is spending What to do when a crisis hits - and the credit card isn't an option This isn't theory. It's a real-life recovery story from someone who's still in the trenches - but winning. If you're ready to stop treading water and finally get traction, Debt-Free in 12 Months will show you how.

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