CALL THE BANK

“I really had to work up the courage as I thought they’d judge me,” says Seal. “It helps to remember that the person on the other end of the phone is human too, and nobody’s perfect – so many people who work in finance have money worries themselves.” She recommends calling on a day that you have no other stresses occupying your thoughts (eg a big work meeting), writing down a script and knowing exactly what you want from the conversation before asking for help. Charities that can assist with debt management (such as StepChange, Citizen’s Advice and the National Debt Line), plus companies you owe money to, can also offer tailored support. “The Money Advice Service [set up by the government] has lots of information and guidance on budgeting and debt,” adds Francis. “As do Barclays Money Mentors, who offer face-to-face, or over-the-phone, impartial support and guidance too, no matter who you choose to bank with.” Rip the plaster off, it’ll be worth it in the long-run.”