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ARE YOU DISABLING YOURSELF?

My diagnosis of multiple sclerosis in 2000 turned my life upside down. At first, I thought it was the worst thing that could ever happen to me. I lost my mobility, the best job I'd ever had - a government job it took me a year and a half to get - many of friends and, I thought, my future.

When I got the job with CRA, I went from earning minimum wage as a part time sales clerk to over $20,000 a year then I nearly doubled my income six months later when I applied for, and got, a position as a tax collector. You would think that I was putting this money away, saving for a rainy day but I wasn’t. I was spending it as fast as I could make it, actually faster because a lot of stuff was on credit. 

When I went on disability, the specialist said I was likely never to work again but here I was, close to $60,000 in debt. I had no way to increase my income to pay off what I owed.  I started buying less food to afford to keep my payments current. I was stressed all the time which made my MS worse, I was eating junk food, drinking too much alcohol and smoking too much. Something had to be done to improve my life.

In 2002, I went to a debt counsellor and, after looking at my situation, she recommended I file for bankruptcy. That was one of the more embarrassing times of my life. I was ashamed that I had been so foolish and careless with my money. I felt humiliated that I had to do this. For six months I think I had to report all my spending to the bankruptcy trustees and I was consumed with guilt for every penny I spent because I felt the trustees would be judging me. I felt as if I would never get back on my feet.

But I did. My life went on, I got credit again and the bankruptcy faded into the past. Then I realized that I was starting to fall into the same trap as before - spending money I didn't have to buy things I didn't need. So I put a stop to it. One day, I took a look around and realized how many people are in the same situation I was in. Putting too much on credit and having to pay so much to keep up the minimum payments that they use the credit again to survive. I am disabled by MS but so many people are disabling themselves with debt! There has to be a way to stop it. And there is.

I help people with unsecured debt find lower interest rates, pay their debt off faster and save money. I do this with The 90 Day Turnaround: 90 Days to Financial Stability coaching program.

Sound interesting? Then take a look at this webinar for more information.

Read more about my inspiring story here.

Are you interested in having me speak at your group and tell my inspiring story and conduct a mini financial workshop? Or just tell my story. Then please go here.