I cleared £15,000 debt by transforming my finances - here's how I did it

I cleared £15,000 debt by transforming my finances - here's how I did it

Recent highlights:

1. Emma, 43, a freelance photographer who lives in Brighton, had a terrible relationship with money until she finally got the courage to speak to someone about her debtsEmma has shared the tools she used to clear her debtTaking back control of her finances helped freelance photographer Emma clear £15,000 worth of debt in three years.

2. You can get advice without paying a penny by speaking to one of the following organisations: Citizens Advice (0800 144 8848) StepChange (0800 138 1111) National Debtline (0808 808 4000) Face up to your debt and get a clear picture of where you're at, said Emma.

3. To reduce her overdraft, Emma set up a separate pot on her Monzo account where she made money from selling old clothes

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