Debt is a difficult subject to talk about, but it can happen to absolutely anyone and often the best way you can get yourself back on track is to talk about it with a trained debt advisor.
Jane found herself in this situation but, after talking to a debt advisor, she is now debt-free. If this sounds brilliant, but you don't possibly see how you could do it yourself, read her story. You're not alone in struggling with debt and with a bit of perseverance, you too could be debt-free.
"I stopped working after one of my contracts was sold off and I was struggling to make ends meet. This is when my financial difficulties kicked in. At the worst, I owed around £4,000.
It felt like this happened very quickly, and it made me feel very depressed as I felt I should have known better. I worked with people with mental health and alcohol problems and I'd often talked to them about where to go if they were affected by debt. I was under a lot of stress so, maybe for me, it was that I should have kept more of a marker on how I feel and the warning signs for my own mental health.
I did try going to a Housing Association support worker for help but they weren't hugely experienced.
What really made the difference for me was going to a debt advisor. It took me a couple of years for me to make the leap to go and see one but I'm so pleased I did. She was very patient, non-judgemental and really empathetic. This gave me the confidence to find a way out. I feel so relieved and can also start to save money for emergencies which is important.
I would advise anyone who is in a similar situation to get advice as soon as you start to feel you can't afford to pay your bills. It won't go away unless you do something about it. Also, I now have no credit cards. If you can, avoid them."
If you are struggling with debt, you are not alone and getting debt advice has been proven to really make a difference. Debt advisors are trained to deliver a personalised response that's going to work best for you and your circumstances.
This article is provided by the Money Advice Service.