Cleared £14k last year. I still check my balance six times a day and flinch at a £4 coffee. The debt's gone, the fear isn't.
Peer support, not treatment. Everything here comes from people describing what they personally lived through. Nobody is a verified therapist, doctor or mental-health professional. If you need clinical care, please also speak to a professional — see safety resources.
Sorted by what the community found most helpful.
£14k to zero, then a year of still flinching at everything.
A named buffer account. The fear was about safety, not maths — once there was money labelled 'this is the fine' the flinch faded.
Answers grounded in personal experience help most. Use a prompt to start, or write freely.
Please share your own experience rather than clinical advice, and never present yourself as a medical professional.
