Life After Debt Series: “How My Debt Affected My Family Life”

How do you think you got into financial trouble?
Used credit cards to keep ahead of bills.

How did that make you feel?
It sucked.

How long did it take you to get back on your feet financially?
5 years.

Is your outlook on life different now that you are debt free?
Yes. It feels awesome.

How did dealing with your debt help in other areas of your life?
Less stress on family and personal life.

If you had a chance for a “do-over” in your life what would you have done differently that could have prevented, you from getting into debt?
Never used a credit card, planned better.

What influenced you the most to change your spending habits?
Age and level of debt.

How did Credit Counselling Services of Atlantic Canada help you with your situation?
Helped me to budget and reduced monthly payments.

How did it feel when you finished working with Credit Counselling Services and became debt free?
Less stress on my family and personal life.

What are you doing now to ensure you don’t repeat past financial mistakes?
Bills less than income, no borrowing on credit or wasteful spending.

If you were to experience financial difficulty again, would you use credit counselling to get back on track?
Yes, but it will never happen.

How has becoming debt free allowed you to plan for your future?
I don’t even worry about it anymore.

Have you been able to educate/encourage other members of your family to budget and save?
No, but I don’t know of anyone who needs it.

If you had to give up one daily expense to be debt free, what would it be?
Tim Hortons.

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