With personal debt in the UK increasing year on year, more people need to get debt management plans in place to ensure they can eventually turn things around.
That's the view of a leading debt management company who beleive to many people shy away from the fact that they have serious financial problems instead of putting together a plan to combat their debt.
A spokesperson for the company advised, "Measure the size of your debt problem. Work out what you earn and then, very honestly, write down what you spend.”