Paying myself first

+ 6 figure advances, crashing cars, and buying trousers from Toast

About ten years ago, my now-ex and I entered into a Debt Management Plan. We had credit cards that we weren’t managing to pay regularly and it was becoming increasingly stressful. I think one of our creditors effectively forced us into it (but nicely) but I can clearly remember sitting in the hall with the landline (so the kids wouldn’t hear me) and bei…