For those who, like me, have struggled or do struggle with making ends meet or regularly juggle bills and debts like spinning plates above your head, wondering which one will fall first, there are some beacons of light in the darkness that can guide you. 

There are also those who tell me that they struggle to talk to organisations or professionals about their debts, for fear of embarrassment or getting overwhelmed by it all, especially in the current circumstances where so much is overwhelming. I hear you. 

https://www.payplan.com/  are a fantastic organisation who will help you sort out and set up options for getting rid of your debt and they will do it all via WhatsApp text or call!  – once you’ve made the initial contact with them, they will ask you which option works best for you 

If you want to find out more about debts, how to approach creditors and anything and everything you need to know about credit, have a browse around https://www.credit.com/