When Emer Farrell looked at her pension pack, her mind was blown. The date of retirement was in 2048, thirty years away.
Instead of doing what we all like to do which is ignore the scary thought of the future and put the documents in a box somewhere, Emer decided to take action.
The Offaly-based 37 year old made a plan to clear her debt once and for all, and to start saving so she can retire at the age of 50.
Emer has been documenting her journey on her blog and Instagram page 'One Foot In The Save'.
View this post on Instagram
Speaking to Dermot and Dave, Emer explained how she cleared a debt of more than €27,000 in just 18 months and the small changes she has made that will change her future.
You can catch Emer's tips by clicking play in the post.
