<prompt> Human: Ive been a long time lurker on this sub. Ive reverently graduated uni and have 11,500 of personal debt. Ive recently landed a job on 41,200 per year. Ive been shit scared of facing up to my debt. Ive had letters from credit card companies about late payments etc... Well... ENOUGH! I just sat down for 2 hours and made a spreadsheet outlining all of my finances. I now have a a firm plan in place to pay back my debt and it feels amazing. Dont do what I did and leave it so long. Face your debt and make a plan. Its probably far more manageable than you think. Thank you to everyone who has ever posted advise on this sub about paying off debt! I will update in 3 months and let you all know how its going. Peace x  <response>: Always a good attitude to have! Deal with the problems now--youre capable of handling them, and it will be a relief once youve done so and wont have to worry about them any longer. 