The final amount came in at just under R120k.
It had taken me about four days to do all the necessary tallies: the bank loans, deathly interest and all; the credit card totals; the independent amounts of money I had loaned from friends and family; and the money my husband gave me two days before, which stopped my phone ringing ten to fifteen times a day like it had been for months.
It was the beginning of February 2016. I had just broken a 12 month trend of lying, faking and detachment by confessing to my nearest and dearest that I was badly, devastatingly, potentially almost criminally in debt. Then I turned in the direction of some kind of redemption, drew up a budget and started making plans to pay it all back, as quickly and as painlessly as I could manage.