Hi folks and welcome to the Meaningful Money Podcast this is season 18 episode 2.

This is the podcast dedicated to helping you put your finances in order.

My name is Pete Matthew and I'm going to share with you everything you need to know and everything you need to do to secure your financial future. I'm here to help you make sense of money.

Hi folks great to have you with me hope you really well thank you for joining me

now financial freedom which is what most of us would aspire to I think it comes from building wealth for the future

so that one day work is optional right but for many of us we're not starting from

zero but we're starting from a minus figure.

We're carrying day-to-day debt on credit cards, personal loans and the like,

and we need to clear that before we can start to build.

And so today is the ultimate guide

to clearing down, paying off eliminating your debt.

All right, that's where we're going today.

As usual, I read a review out at the end of the show. Now that's what we're going to be talking

about next time. Important stuff to talk about for the Academy as well. Before any of that,

though, remember this podcast continues to be brought to you with the help of my friends at

Seven Investment Management

who've been helping me out here on meaningful money for ages.

So do check out what they're up to there at 7.I.m. code. UK that's the number 7-I-M.

Go-K.

Thank you very much to them.

Now, debt is much more than just a minus figure on our family balance sheet, if you like.

It's a millstone around our neck. It weighs us down in our

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