Today we’re honoured to welcome Annie Shaw to MoneyAware. She’s a financial agony aunt extraordinaire; She’s a Daily Express columnist, Radio London money expert, BBC Three Counties Feisty Friday Money Minx and financial commentator, notably on her website Cash Questions.
Is “overspending” the main cause of debt? Or is debt caused by unforeseen circumstances and plain “bad luck”? It depends on the way you look at things.