Debt Coaching

Debt Management - My Story

I can still remember the day vividly; it was January the 3rd 2006, it was a cold, miserable day and I felt hopeless, scared and ready to run away from all my problems.
So what changed for me that day?
Well this was the day that I took charge of my life and my debt, took my head out of the sand and faced up to the mountain of debt that I had built up and ignored over the previous few years and because I made the decision to lift my head out of the sand, it became one of the most liberating and also frightening days of my already eventful life and turned out to be my savior.
When I finally faced up to my financial problems – I realized that I had been living a lie and that my external trappings were a sham, My wife, two babies and I had all the trappings of success, a nice detached home, two beautiful cars, the clothes and the home furnishings to go with it, but along with this I finally opened my eyes to the actual cost and the weight of debt that hung around my neck – all £810,000 of it.
I have to admit that when I actually took the blinkers off and looked at my bank statements and bulging overdraft, my credit card bills maxed out to the hilt and how my incomings and expenditures didn’t match up – and I mean didn’t match up by nearly double what I had coming in, I felt an overwhelming desire to run away, a fear of failure, embarrassment and pain. I remember how I wept solidly for over three hours, not knowing where to turn and what to do. How would I tell my wife the full enormity of our debt? What would happen to our relationship? What would happen to our home? How can I put food on the table for my kids? How do I pay my bills and yet still live?
Yet here I am nearly two years later, a very happy and discharged bankrupt. I am closer to my wife and children than ive ever been, I still have my home; I have no debt and have no intention of taking on any more ever again. But most of all I have enormous self respect and confidence in my ability to take on anything that life can throw at me.
So what changed? How did I do this? Did I win the lottery? No. The only thing that changed was me having the guts to take my head out of the sand and face up to my problems. That day back in January 2006 was the day I started to take back control of my life and my future finances. Without doubt the hardest part of dealing with debt is the first time you take that long hard look at yourself and face the full enormity, but believe me once you have done this, even though you may feel scared and immense guilt and pain, especially as you start dealing with your creditors and your debts and you come up against the threatening letters and phone calls, you will soon come to realise that the hardest part was taking that first tentative look around as you lifted your head out of the sand…….as you overcome “The Ostrich Syndrome”

So how Can i Help you?

I can help you because ive been there, right down where its very lonely and very scary.
I have the experience both from the what happens point of view and the overwhelming emotions that you go through during this stage.
My role is to help Coach you through the fog, through the emotions, through the pain and worry and help you gain clear, concise and viable plans to help you move forward and take control of your life and your debt!
Let me make it clear though, the journey is hard and it can be upsetting at times, but the outcome is worth it - peace of mind and a debt free future
Make that choice today

Site content © Karen Riley & Paul Cullingworth 2004