Overview
- Megan Smith Evans says her peak balance reached roughly £15,000 to £15,400 across three credit cards and two loans, including a £10,000 business loan taken during Covid.
- An expensive 2024 Christmas and the prospect of buying food on credit in January 2025 prompted a no‑spend month that she repeated in February.
- She tracked every purchase on a color‑coded calendar—green for no‑spend days, orange for essentials, pink for overspending—and built detailed budgeting spreadsheets.
- She stopped using credit cards, pays herself a weekly wage, makes variable overpayments based on takings, and has set aside an emergency fund.
- Documenting the process on TikTok provided accountability and, she reports, helped attract clients to support steady repayments.