might be an underlying mental health issue, I would encourage you to speak to your GP. It took me too long in my life to realise I had a problem with my mental health (depression and anxiety). Once I had sought treatment, I became a new person who was surprised to learn that ‘not everyone feels this way’. It is okay to not be okay. And it is okay to reach out for help.
A final word
on consumer debt
Often, consumer debt is not the problem; it is just a symptom of something else. You have been the problem, most likely. Not the debt itself. I hope by reading this chapter that you are encouraged to make some movements to stop spending and to clean up your debt.
If anything, just decide that there will be no more consumer debt. Try and go for a day, then a week, then a month without overspending on credit. Then get your spending plan in place and then let's get onto the task of cleaning it up!
And if you don't read on and you just want to focus on slaying your debt for now, I would be okay with that too.
I need you to be hyper-vigilant when it comes to buy-now-pay-later products. At the time of print Apple have now entered the race with a rumoured ‘Apple Pay Later’, Pay Pal has also put their hand up and Square, an international payments platform, has announced their intention to take over Afterpay. The problem we have with this payday lending of today is that you don’t have to make a conscious effort to walk into a cash loans office – it’s already in your pocket. Be strong.
resources
Scan the QR code for these resources and more.
If you’re in debt over your head and need help you can speak with financial counsellors at the National Debt Helpline on 1800 007 007 or visit www.ndh.org.au.
If your debt is causing you emotional or mental distress, please speak to your GP about getting help. If you feel there is no way out and need help right away please contact Lifeline on 13 11 14 or visit www.lifeline.org.au.
There is a great Facebook group for people who are getting their money on track, just search ‘The Glen James Spending Plan (GJSP)’. Ask the group how they have had wins with getting out of debt.
Head over to my dedicated book website to download a debt snowball worksheet, some extra resources and if you think you want to speak with a financial adviser or money coach for extra accountability to help keep you focused!
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