A middle-class couple successfully paid off £100,000 of debt in three years by implementing strict financial discipline and creating additional income streams.

Maria Nedeva, a 50-year-old science professor at the University of Manchester, and her husband paid off £100,000 of debt accumulated from five credit cards and overdrafts in just three years by securing an £80,000 loan against their Didsbury home, cutting daily expenses, and starting a side-hustle website called The Money Principle.