Tired of multiple debts? Want to get rid of frequent defaults and arrears on your repayment accounts? Apply for a debt consolidation loan that will not only help you to clear your existing credit cards, store cards, loans and other debts but replace them into a single monthly payment. An added advantage is that you save pounds every month by paying lower monthly installment and gaining control over your finances. By hunting extensively and shopping around in the market, one can get a competitive deal with lower interest rates on debt consolidation loans.

You should work on saving your marriage as early as you can. Where possible you should avert crises and begin on restoration as soon as warning signs begin to appear. Some of the classic signs are frequent rows or long periods of silence between you and also if it becomes increasingly evident that you have little in common except perhaps a shared roof and family. It is particularly dangerous if either of you have started flirting beyond the marriage even if no affairs have actually started.

Control – The HSE advise that employees have a say in how they do their work. However, we know that in a contact centre environment it is not simple to offer flexi-time or allow much deviation from industry-regulated scripts. Yet staff can be empowered to make some decisions on their own, input ideas and show initiative. Customer service roles demand that each customer is treated as an individual and a key component to good customer service is allowing agents to take ownership and find solutions to satisfy customers. You should also be able to identify the training you think you need and to ask for it.

Take positive steps to learn how to handle stress in your life. Most large companies these days offer their employees access to free or subsidised voxen, but they are largely under-utilised. If this is available, take advantage of it and work on how to handle stress. If this is not an option for you, look for community organisations that offer a similar service, or talk to your doctor.

I was approached to write the book as part of a series (there’s a great book called Mortgage Stressbusters as well). At the time that I wrote it, Australians were carrying record amounts of credit card and personal debt. I wanted to write a book that was easy to read, practical and, possibly, entertaining. I really wanted readers to get to the end of the book (which is no mean feat with finance sometimes).

After you have made a decision on which credit counselling service to use, you need to keep yourself up-to-date on what is going on with your accounts. Be sure to review your monthly statements and check to be sure every creditor is being paid and being paid on time. There are some dishonest credit services out there that will take your payments and then not pay your debts, or pay them late. That is not helping you a bit.

We all face testing times in our lives, counselling services all-round the UK are testment to that. But there are things we can do for ourselves by changing our normal thinking patterns. Focus on success not failure, focus on what you can change not on what you can’t, and use relationships for help and support. Most important treat yourself with care and compassion, sometimes it is difficult but you can get throught it. You can have a better story.