The STARTING POINT

Age: 43

Living: In my Girlfriend’s two bedroom cottage in a not very nice part of North Manchester. Far too small for 4 of us and the source of a lot of angst due to lack of space.

Business: Been running for 18 years. Currently losing money since April 2025. On a reduced salary of £2000 net and trying to drag it out as long as possible because of BBL and free childcare.

Savings: £15,248 in a Cash ISA

Debt: £7,130 in credit card debt, mainly down to driveway and domain names for new business.

Investments: £0

Private pension: £0

Government pension: £ not sure

Net worth: £8,118

Car: 2013 BMW X1 18d with 93,000 miles

Weight: 107.8kg

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