Are you dreading the next bill or bank statement that lands on your doormat? Are you drowning in debt or struggling just to make ends meet and provide your children with a roof over their heads?
Being broke makes you weak, vulnerable and miserable. It saps your energy and stops you from enjoying life’s little pleasures. It can be frustrating and deeply embarrassing; you feel ashamed to admit it in case it sounds like you are whining or begging for a handout, yet if you don’t come clean it can make you seem unfriendly, mean or lacking in generosity. When you are desperate for money your options are limited and you can make some very bad decisions when that desperation is your primary guide.
I know all this from bitter experience. Imagine that you have just reached the checkout at the supermarket. You’ve spent twice as long choosing your shopping because you are determined to root out the best bargains and the cheapest goods. You’ve already chosen, then discarded several items on the grounds that they represented a treat, rather than a basic necessity. Feeling proud of your thriftiness, you hand over your debit card, only to be told bluntly by the cashier that your card has been declined. And the other one. The woman in the queue behind you gives you a knowing look, which turns to irritation when you have to start taking items out of the trolley, to bring the bill down to an affordable level and the cashier calls her colleague (again very loudly) and asks him to replace the items because the customer wants them refunded! You flee the shop, cheeks burning with shame. And it’s not even the first time this has happened.
If this all sounds too familiar, I really want to help you to get out of the horrible hole you’ve found yourself in. You’re not alone! You can start by listening in to my free online webinar next Wednesday with Karen McGrath, a financial expert and pensions specialist who was once a single mum herself and now spends her time helping clients to take back control of their financial affairs.
Special Guest Karen McGrath
Register here and I’ll send you your log-in details