Thanks man, the debt is manageable, just about. I actually need to get on to the credit card companies and claim financial hardship, i'm just a bit wary of admitting addiction to people who will control my life in future.

Are they going to offer me a mortgage if they're worried i'll go and shoot all my money up my veins? I don't know, I know a financial advisor who owes me a favour so I'll ask him.

My side-hustle came from the serendipity of meeting some PHP FIG guys who kind of took me under their wing, they're still the ones finding me side gigs while I build up a reputation.