We are all guilty of hiding things in our life. Usually it's to do with our shame and guilt of a situation. People go on about fight or flight responses. Neither of which in 21st Century is useful. 

Finances have become one of those things which have been at the forefront recently. High prices low wages but it's more than that. 

It is the need for more gratification to 'show' what we have - for other people's approval.

I used to hide bills and statements under the bed..pretending they didn't exist. 

I was ashamed...

How did i move on - by being nice to myself and accepting where I was.

• Grab a piece of paper now and divide it into two columns. 

Debts one side - write everything, come on everything...even that credit card bill... 

Now on the other right down income. 

Start looking at these with the monthly interest- work out a minimum monthly amount that you can pay right now... even if it's a couple of quid a week...

Now here is the part, I hated, now you have to contact these companies. Be honest and cry if you want to. 

If you get stuck and want some help message me anytime... 

The road may look icy but you are on your way and steady is the key!