Our parents' (or grandparents') generation tended to save up for everything before they bought it, but that is pretty hard to achieve in the present day, given the current price of houses.
These days we should be more cautious about how much debt we take on and for what purpose. Borrowing to go on a holiday is never really a good idea, whereas borrowing to invest, in the right context and given the right situation, can work well.
Rather than dwell on how you got to your current position, we prefer to focus forward and build a strategy designed to control your "good" debt, reduce your "bad" debt at an appropriate rate, and set you on a better path ahead.
If the above sounds like one of your financial quandaries, then we’d suggest you contact us to see how we can help.