I'm not just out of debt, the mindset that got me into debt has completely changed!
Shortly after accepting a place at University, I was quickly offered a credit card with a ridiculous limit on it. I couldn't really afford it, but I really wanted to seem grown up and thought I had the ability to handle it. Sadly I was wrong.
After a couple of short years, the debt was way more than I could handle and I knew that I was in trouble. I was living beyond my means and my debts were piling up, but because of the shame I felt, I didn't seek help. It wasn't long before I was getting nasty letters and phone calls from various creditors hassling me for money. They even started phoning my friends at work and family who lived interstate. I was really stressed and anxious when I tried to work out how to fix this mess, but realised I couldn't. I felt overwhelmed and trapped!
In 2005 I received a particularly nasty phone call from a creditor and it was then that I decided to do something about it. I attended a budgeting seminar which is where I first heard about CAP and thought that maybe they could help me.
I rang my local CAP centre who came out to my home and explained CAP to me clearly and simply. I was filled with hope and I knew that this was the answer that I had been longing for.
It took me three years to become debt free and I am SO excited that I can now start making plans for my future. For the first time in my life I have money in my savings account and can make my dreams of going overseas and owning my own home a reality!
CAP has been instrumental in teaching me how to budget and save, and has helped me change my thought patterns about money. I'm not just out of debt, the mindset that got me into debt has completely changed!
Thank you for restoring my hope and for helping me to become debt free!
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