I'm 24, have 24k of debt

Got a 5k loan from the bank when I was 18, to pay of my Egg card, then proceeded to run the Egg card back up again, and another couple of cards, got an 18k loan to pay all that off, then more credit cards, totalling to 24k

I also learnt the hard way, I have a decent car, I rent a nice place with the Mrs, and I'm skint, but I'm ploughing through it, and it has taught me to be so much more careful with money, and I vow never to return to the pits of debt again......






Until I get a mortgage.