http://www.bbc.co.uk/news/uk-14879003

If you can - clear your debts, put your credit card on notice and batten down the hatches.

I actually think it will be far longer. Though the further out you look the less reliable forecasts become. This government own forecast that we will be doing well in 2015 looks spectacularly over optimistic. For the last three years most economists and bankers have been wrong on every count as to how this will progress.

2 major debts paid 3 months early
the next debt will be paid before xmas

its going to be hell out there. very shortly ...