I find it extraordinary that I pay £350 a month on trains and don’t even get a seat. Yes the price for being a London commuter and living outside is high.

This began when the railway being split up and privatised. The Train Operating Companies have to pay the government so much money for running trains & then they have to pay their share holders then they have to make a profit to boost the company.

When you look at these sorts of prises, it’s surprising that not all people are in debt. In America you can get from New York to Chicago (357 miles) for $72 which is about £36.

Being in debt can make everyday tense. It can be more stressful when you have steep travel costs. There are ways of becoming debt free, but be sure to get debt advice from a trusted source. Maybe even thinking about an IVA