Coleen says

First of all, if you’re in debt, get in touch with a charity such as StepChange (stepchange.org, 0800 138 1111). It can provide financial advice, as well as devise a management plan to help you pay off your debt at a more manageable rate.

Once you’ve made some inquiries to resolve any debt, then you’re in a stronger position to speak to your boyfriend. You’ve been spending his money as well as your own, so of course he won’t be happy. But it’s best to come clean, so you can start working out together how you go forward in terms of managing your money.

It’s so easy to spend money online – it almost doesn’t feel real, parting with the cash.

The good thing is, you know you’ve got a problem and you’re starting to face up to it.