Meet Samantha, she’s only 21, but already she’s double her age in debt, that’s a staggering £42,000 accumulated in just 3 years. Anything she wants, she just has to have it. She’s engaged to be married, owns her own home, is on her 4th brand new car, and she still keeps spending. The only thing she doesn’t have is the cash to pay for it all. At just 21, Sam’s future is bleak.

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