How To Cope With The Shame of Financial Worries from Debts, Loans, Overdrafts and Credit Cards

One of the hardest things to do with debt is to forgive yourself. We all make mistakes or neglect to tackle something sooner rather than later.

Just remember that all of us are trying to the best we can. Even though that best may not be good enough at times.

So stop being hard on yourself and start to forgive yourself. You will feel a lot better for it.

Why has it taken a credit crunch to make the banks lend responsibly. How effective is the volountary Banking Code and who is policing it? These and many other questions remain unanswered.

Remember if the biggest banks in the world can get wrong even with all their expertise so can you. They don't feel any shame and they have lost billions.

Decide to recover your self confidence today and find out more about how you can tackle your debts.

I don't want anyone else to go through what happened to me. I kept borrowing money and getting new loans and always believing that this was the way everyone survived.

I didn't think about what would happen when my credit line was withdrawn or I couldn't afford the repayments.

In effect I was living in a fantasy. That's why I called my book "Fantasy Island Finances". I wrote it to let you know that there is a way out of debt.

It might seem unmanageble and you might feel alone and helpless. Often coping with the emotions of debt is the most difficult part.

You can get through it though and that's where the support in my book can help you.

There is not enough help at a local/govermentlevel with the emotional impact of debt.Doctors are forced to five out anti depressants like sweeties. We need more access to NHS Counsellors.Talking therapies are more effective!

I guess where I would start first of all with financial responsibility is with ourselves.

Unless we take responsibility we can victimise ourselves with beliefs like "They made me get into debt " They (the financial institutions) didnt get us into debt... we took the money.

However, and it is a big however,we don't need to beat ourselves up. We were working with the knowledge we had at the time and forgive ourselves and move on.

The financial institutions also have their part to play in irresponsible lending.