My hopes are to get out of my consumer debt, I owe about 4k to credit cards and my goal is to get out of this by 2023. I managed to not add to this over Christmas which is a massive win for me. Another hope is getting a new job with a higher salary to try and help me not be so reliant on benefits. My fear - that the cost of living crisis means that I need to add to my debt and that we are unable to feed ourselves.