Buying that car on the loan – the holiday, the handbags, the clothes, the meals out, the takeaways, the new this, the new that – just put it on the credit card! The next thing you know your debt is the same as your annual income.

Eating those meals out, ignoring the fat, the sugar the extra pound here and there. The next thing you know you weigh hundreds of pounds.

So, to pay back your debt you have to cut back to far less than you earn to free up money to pay it back.

To lose the weight you have to cut back to fewer calories than you could eat to free up those calories you need to get lighter.

Both need self discipline and both are hard work and are not easy to achieve. Much easier to live within your means and eat sensibly!