It is not easy to take on a challenge like this, so good for you if you have decided to get started on the path to becoming debt free. Staying on track might require some help though, so try to find people who are likely to support you, rather than scupper your chances.

Share your plans with family and friends who you think will be supportive. It's also a really good idea to find support with others who are going through exactly the same thing. Make the most of online communities like the one we have here on money.co.uk where you can share advice, support and understanding with others who are working towards the same financial goal.

If you need some professional assistance, you can speak to Citizens Advice Bureau, or the Consumer Credit Counselling Service (CCCS).