Blog Post: Debt Management – Seeking Help Without Shame

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💡 "Acknowledging you need help is the first step toward financial freedom."

Yesterday, I mentioned that I signed up with StepChange, a debt charity in the UK. At first, I felt ashamed. I worried that asking for help would define me, that it meant I had somehow failed. I even started the application, deleted it, and then came back to it—only to leave it 95% complete.

Then, StepChange sent me an email. That email changed everything.

They introduced me to something called Breathing Space, a government-backed scheme that gives you 60 days of protection from creditors—no interest, no harassment, just time to breathe and get a plan in place. They worked with me to create a realistic repayment plan based on my budget and income. Now, I pay them, and they handle my creditors on my behalf.

The best part? I no longer lose sleep over my finances.

The Truth About Debt and Shame

For a long time, I was in denial about my financial situation. Pride kept me from seeking help sooner. But here’s what I’ve learned:

  • Shame doesn’t pay the bills.
  • Pride won’t fix your bank balance.
  • Taking action will.

Like many others, I was doing fine until life changed—maternity leave, becoming a single parent, and unexpected expenses. Suddenly, I was scraping by, exhausted from trying to stretch every penny. I didn’t want to live like that anymore.

I haven’t told my friends or family about my decision to seek help—and that’s okay. You don’t have to tell anyone either. This is your journey, and taking control of your finances is an act of strength, not weakness.

How to Get Started with Debt Help

If you’re struggling with debt, there are options available:

  • StepChange (UK-based)
  • National Debtline (UK)
  • Citizens Advice (UK)
  • Other debt relief organisations in your country

Most of these services are free and confidential. They’ll assess your situation and offer solutions tailored to you—whether that’s a Debt Management Plan (DMP), Breathing Space, or another option.

Your Challenge Today:

👉 Acknowledge where you are financially—without shame.
👉 Research debt support services in your area.
👉 Take one small step toward getting help.

📢 Let’s Talk: Have you ever felt ashamed about seeking help? How did you overcome it? Drop a comment below. Let’s break the stigma together. 💕

#DebtFreeJourney #MoneyMatters #FinancialFreedom

Welcome to The Resilient Mompreneur blog Hey, amazing mama! Juggling work, motherhood, and personal growth? You’re in the right place! The Resilient Mompreneur is your go-to blog for career tips, mindset shifts, and real-talk strategies to help you thrive—without burnout. Whether you’re climbing the corporate ladder, launching a side hustle, or just trying to stay sane while chasing a toddler (we’ve all been there!), I’ve got your back! Let’s grow, succeed, and build the life you deserve—one step at a time. Ready? Let’s do this!

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