There’s still a lot of secrecy about money.  Individuals simply do not talk about their personal money issues often enough.  If they are badly in debt, they hide it.  If they have a shopping or gambling addiction, they hide it.  If they are living off their credit cards they don’t tell anyone or get help before things are really bad.  Why not get help sooner?

I understand it is scary to go to a stranger like a financial planner or a debt counsellor about your money issues.  So why not start with a trusted friend or relative first?  The point is to talk to someone and know that there is someone who cares and could possibly give you some good ideas on how to change your situation or help you to go on to the next step.