You feel the panic rise up as the phone rings. You’re afraid to answer it. What if it’s the creditors again? But, if you don’t answer, what if they won’t stop calling? …Could it be someone else? What if there’s an emergency or someone needs me and I’m missing an important call?

Debt is like deception. You think you own your finances; you think you’re keeping on top of things, but the next thing you know it owns you.

I was overwhelmed. I felt like I didn’t have enough and I was waiting for the bomb to go off…