Using CreditWise has also encouraged me spend time to understand how credit scores work. It’s shown me that by sensibly using credit when I need to and paying it off in good time I can build up my credit score to show lenders that I can manage my money well.

We have taken on a lot trying to pay for a wedding and saving to buy a house at the same time but the move out of London, careful budgeting and a bit of a reality check about bad spending habits have all been big steps in helping me achieve both of these things in a relatively short time frame.

I will definitely continue to monitor my credit score with CreditWise and hope that when we get to the stage of applying for mortgages, this will stand me in good stead.

Money matters: 'My credit score can affect buying a house and I had no idea'