....it's March and I am less than a week away from clearing my last debt and being Debt Free again!!!
I have one more loan to payoff and I can't wait to call my bank to get the settlement figure on Monday. Then I am back to Baby Step 1. Save £1000.00 to start Emergency Fund. Saving up £1000.00 shouldn't take 
too long and then I can jump to Baby Step 3. Save 3 to 6 months of expenses into savings. This is the fully funded Emergency Fund and the baby step I didn't really complete the last time I became debt free. I believe it is partly the reason I got back into debt back in 2013.
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