It can often be one of these moments when you have a blazing row with a loved one and it all comes out, that you decide enough is enough.
Or perhaps it may be the shame of being turned down for more credit, getting demand letters though your door or simply feeling you can’t see any light at the end of the tunnel.
For me, it was regularly having my card declined for petrol only 10 days into the month. What do they say? “There’s a lot of month left at the end of the money”. I certainly felt that for many years.
Thankfully today, it’s the other way around. And believe me, if I can do it, anyone can do it. Sometimes we just need a helping hand and to be shown the way.
But whatever it is, something has triggered you take action. An event or feeling has prompted you to read this post and has brought you here.
Whatever it is, use it. Harness it. Engage with it. Feel and focus on the pain. Because change only comes with great pain and consequence.