<prompt> Human: Im getting very down over the debt lifestyle, namely mortgage and a personal loan plus other various expenses that have gotten away from me. I have an opportunity to sell up, move further out into a smaller place and be completely debt free money in the bank most earnings going straight into savings. It would be a radical lifestyle change to go from city to more rural. But I can see myself sitting on that porch, debt free and feeling the huge weight off my shoulders. But, I am also unsure if I have the balls to do this, having been a wage slave for 20 yrs why do I fear the leap?  <response>: before you do anything, you should fully understand why you are in this situation, what behaviors and habits contributed please do not detail the list of excusesmoney will not fix these problems, of you are bad with money it really doesnt matter if your debts go back to zero, you will just be at a different address in the same situation.i know a lot of people that have done the same, i wouldnt do anything without conducting some fact facing, soul searching and forensic accounting to really give yourself a new trajectory and the opportunity to take personal responsibility for your situation 