You are not alone we’re here to help solve your financial difficulties and get you back on track each month.
It’s two simple letters ‘N’ and ‘O’ so why is it so hard to put them together.
Over the years I’ve struggled to say ‘NO’ when asked by friends if I fancied a night out, when monthly finances are already stretched. This previously resulted with me borrowing from my parents so I could have a night out without thinking about repaying the monies back to them or borrowing from Peter to repay Paul at a later date.
So the question is… Why do we do it?
The simply answer is no-one ever likes to say ‘NO’ to others. Not just for a night out, but in everyday instances. For example, you can be in a retail outfit at the counter purchasing goods when asked whether you wish to take out a store card saving at least 10% of the purchase price. The result is pound signs flashing in front of your eyes, thinking of pennies you’re saving there and then. You never think about repaying these monies the following month when you receive your monthly statement. You never think about extortionate interest and charges you will incur month after month until the debt is paid back in full.
Simple solution: Are you struggling now to repay your monthly expenses each month? Don’t borrow further money from family, friends or consider taking out additional credit with others. Stop and think about the repayments that will need to be paid.
Are you in a position where you’re finding your monthly commitments increasing and see no light at the end of the tunnel? The best thing to do is seek professional help about your finances.