I felt sick and embarrassed over £11,000 debt – but an all-or-nothing promise helped me pay it off in a year

TAKING a deep breath teacher Rachel Noakes started adding up her debts and a wave of sickness came over her when she realised she owed £11,000. 

It was December 2020 and the now 37-year-old mum-of-one who lives in Devon had taken out credit cards, an overdraft and a car loan. 

Rachel NoakesRachel Noakes started adding up her debts and realised she owed £11,000[/caption] Rachel NoakesRachel set up a YouTube account to film her journey[/caption]

“Feeling sick I looked around my two-bedroom house.