Admit your financial problems

Get a pen and paper.

Write down all your financial problems by answering these guide questions:
 - What is the total amount of your current debts?
 - Why did you end up with such debts?
 - Do you struggle with budgeting and handling your finances?
 - What exactly is your problem in terms of budgeting and managing your finances?
 - What additional financial issues are you dealing with?

Review all your answers.
Take a moment to reflect on your problems. Proceed to the next step once you’re ready to admit them.

Go in front of the mirror near you.

Face the mirror and say all your answers to yourself out loud.
There should be no room for denial. Admitting those problems honestly is the only way to move forward and be financially free!