Getting out of Debt

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Annual income one pound, annual expenditure nineteen shillings and sixpence; result happiness.
Annual income one pound, annual expenditure one pound and sixpence1; result misery.
Mr Micawber, Nicholas Nicholby, by Charles Dickens

It has been said that money management doesn't cause stress in families; what causes stress in lack of money management.

Without discipline, there's no life at all.
Katharine Hepburn

Debt

FOOL

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1Before decimalisation, a pound (GBP) was made up of 20 shillings and each shilling was made up of 12 pence.

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