A future with less debt and waste

I met Hanno on my 28th birthday, we married when I was 31 and our first baby, Shane, was born a year later. Shane turns 28 next Tuesday. He has never brought any of his girlfriends home to meet us but a couple of weeks ago, we met his girl. She admired my dishcloth knitting that was beside my chair, she's fond of vegetable gardening and chooks and she's a really lovely girl. Next week she's