I have been having great fun this year. It may not sound like fun to some people but I have been managing to find a lot more freelance work and so have really been increasing my income. This means that I have been able to pay big chunks off the money that I owe. It is a really nice feeling knowing that you are reducing your debts and calculating how long you have until you will be debt free. I guess not everyone worries about being in debt like me but I feel it hanging over my head and also see the interest payments as an expense that I would rather be without.