Nikki Ramskill was just 18 years old when she took out her first credit card shortly before starting medical school - despite having "no clue" about money.
By the time she reached her 30s, the now-fully qualified doctor was £60,000 in debt and didn’t know how to fix her finances.
The money she owed was made up of credit cards, loans and overdrafts, and she'd also received a £3,500 tax bill from HMRC.
