There are free organisations that will help you clear your debt if you’re really struggling:Īlways be wary of firms who try to charge you for debt help, as you can get advice without paying a penny. Her PTSD was triggered after her son was given a 50/50 chance of survival after contracted meningitis at just five weeks old. Reducing her spending, introducing cooling-off periods before each purchase and boosting her income through her money blogger business also helped Catherine clear her debts.Ĭatherine has now been debt free for five years, after she had to turn her finances around once more when she started “slipping back” into old spending habits after developing Post-Traumatic Stress Disorder (PTSD). She says this meant she didn’t feel like she was “stuck” in her overdraft and began paying that off in small chunks, clearing it altogether in four months, before turning to credit cards.įor her credit cards, Catherine downloaded an app called Debt Payoff Planner, which says kept her “motivated” by reminding her of her “debt-free dates” that she could achieve by sticking to her monthly payments.
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The idea is that by clearing small debts first, you’ll start to feel good about your debt journey and more motivated to shift larger debts.Ĭatherine said she signed up to Starling Bank to help organise her finances, making it her new current account by transferring all her direct debits and income there. We’ve written extensively about this specific free money hack in our post here, so check that out for more tips on how to get started flipping free items. Credit Card Hacking Software free download Advanced Credit Card Validator Belltech Business Card Designer Pro 500 Card Game and many more programs X Join or Sign In. A financial adviser who was once £30,000 in debt has shared the money mistakes she made to help you avoid slipping into the red. Have you managed to clear £1,000s worth of debt and want to share your story? Let us know: used the “snowball method” to get back in the clear, which is where you start with the smallest debt first and work your way up. Talk to the people who are close to you and don’t bury your head in the sand.Ĭatherine, who is author of the women's financial help book It’s Not About The Money, was supported throughout her debt journey by her husband Gareth, who also works in finance. It is important to tackle your debt and not let it spiral out of control.
There are plenty of different methods and support available when it comes to tackling debt - it's all about finding out what works best for you and your income. “But seeing those bin bags stacked high was the jolt I needed to address my demons and regain control of my finances.” How to tackle your debt “So while some people might turn to food or alcohol for comfort, I went shopping,” she said.
But the now-savvy mum says her financial troubles stemmed from money “never being discussed” as a child, combined with self-esteem issues that she masked by buying new clothes.