Hello,

My name is Karsten. I am originally from Denmark, but for the past 5 years I have been living in the UK, just outside Liverpool.

I am married to Joanne. We have a 3 year old son, Samuel.

I am working for a training organisation as a supervisor gardener. My job is to maintain domestic gardens for pensioners and disabled people, living in council accomodation, while I train 2 youngsters to become gardeners like myself. My job is stressful at times - but also very rewarding. I love what I do - but I’m aiming higher!

I am more fortunate than most people. Thanks to the hard work of my parents - I virtually own the house we live in. I have got a nice car. I have got a fantastic family - and good friends. All together life should be great. But there’s one thing that puts a damper on it all!

Like most other people in the UK I have debts to deal with. The average UK citizen has got £4,500 (US$ 8,850) of unsecured debt - and the number is going up daily. In fact - the personal debt in the UK is increasing by £4,150 (US$8,160) every second!

But I have made a decision! My debts will have to go! I want to be totally debt free as soon as possible - by the beginning of 2009 the latest! It’s going to be a tall order - but I’m confident I can do it!

I created this blog to log my journey towards a debt free life - and hope it will inspire and encourage you to start your own journey towards financial freedom - the only freedom that money can buy!