I know that there are people out there who find managing their money rather overwhelming. You can see no way of paying off the debts you have. You worry that each month will only mean further drowning into the black hole of debt and you can never picture actually becoming debt free.
Does this sound familiar? If so then I have to share my secret to getting out of debt with you. CAP (Christians Against Poverty) are an amazing organisation who helped me more than I can ever express. To access their services you don’t have to be a Christian and you don’t have to pay a penny. This is one of those things that sounds too good to be true – but it really is that good.
How I found them
The first I knew about them was when they ran a money management course at my old church. I went on it with the hopes of learning how to manage my money better and maybe having a budget for myself going forward. In the break of the first session I spoke to the course leader. She took some time to help me realise that perhaps I was in deeper than I realised. We didn’t have the time to go through everything on the course, but afterwards I made contact with her and after lengthy discussions and calculations, I became a CAP client.
CAP take over everything for you. They start off with going through all your finances and help you draw up a budget. It feels quite invasive when they go through all your income and outgoings and suggest ways of cutting back but it’s an essential part of the process. This will identify how much of your debts you can afford to pay off and over what time scale. After that, any paperwork that comes from any of your creditors – you just put into a prepaid envelope and they will deal with it for you.
I’m not going to lie – going through debt management was emotionally exhausting. It was hard to admit I was in debt and didn’t know how to get out of it, but CAP turned everything around for me. My initial statement said it would take over 20 years to get out of debt and yet I was out of debt within a year. I know not everyone will be that fortunate, but the support and guidance CAP gave me was a massive part of that. They made every day that bit easier, and took away the stress of dealing with creditors myself.
I get nothing from referring you to them, and they get nothing from you either (unless you choose to make a donation down the line) but I just had to share this resource with you. My blog is called “I BEAT DEBT” – well, I wouldn’t have been about to without them. CAP single handedly turned my finances, and quite probably my life, around. I will be eternally grateful to them and if this blog post means that even one other person gets some help and gets out of debt then the whole thing was worth it.
You can find out more about them and the services they offer via their website. You can also visit my post what happens if you find yourself in debt post to find out about other tips to start your journey to becoming debt free, as well as other organisations who also offer debt management and money advice.
If you have any other questions about my experience with debt, being debt free or CAP, please feel free to get in touch.
Meanwhile you might be interested in my post which has a bit more detail about my journey with CAP.