"I got into £8000 of credit card debt spending and living the life that I thought all my friends were also living as young singles in the city."

Growing up, I thought my family didn't have money.  Though we lived in a nice enough house and neighborhood, my parents were very frugal and never spent money like my friends' families. Aside from the occasional luxuries, the message from my parents to me was tha money was to be saved.

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