When this client first came to me, she and her husband were facing a mountain of debt: £23,000, split across multiple credit cards and overdrafts. Their combined income of £5,500/month should have given them room to breathe… but they were sinking under the pressure of interest rates as high as 40%. Each month, they paid nearly £800 just to stay afloat and still felt stuck.
Like many people, she didn’t realise just how destructive those high-interest rates were. It wasn’t just costing them money, it was costing them time, peace of mind and their future goals.
She told me, “We thought we were managing, but now I see we were throwing money away every single month.”
And here’s the thing: she didn’t even know that help existed in the UK. As an immigrant, she felt lost in the system and unsure where to turn, until an old client recommended my services.
A bold first step
After just one session, she followed my advice and contacted a debt consolidation provider. It was a game-changer:
Interest rates dropped from 30–40% to just 9%
Monthly payments reduced from £800 to £527
She now has a 20-month plan to be completely debt-free
That’s not just a lower payment, it’s a new financial life.
What used to feel impossible is now within reach. She finally feels in control, and most importantly, she understands the numbers — the impact interest rates have, how lenders profit from your stress, and why education is the most powerful tool in financial transformation.
What we’re doing now
We’re not stopping at debt freedom. We’re building long-term financial resilience:
Understanding money patterns – to prevent falling into the same traps again
Creating an emergency fund – yes, working on building it as the same time as she clears the debt to avoid going back into debt when life throws curveballs
Paying more than the minimum – accelerating her debt-free date
Exploring ways to earn more – so she can start saving for her future
Setting a clear goal – she and her husband want to buy their first home in 3 years
Because being debt-free isn’t the end goal. It’s the foundation.
Why this matters
This client made a bold choice: she invested in professional help while in debt. That’s not something many people are willing to do but she recognised that without a plan, she’d stay stuck for years. And that time lost? That’s money not saved, dreams not built, and goals pushed further away.
In her own words, “The money I am saving paying a lower interest, I will pay for your services and more.“
She now understands the true power that financial education can have in someone’s life. It’s not just about numbers on a spreadsheet, it’s about clarity, choice, confidence, and freedom.
My message to you
If you’re paying high interest, juggling repayments, and wondering if you’ll ever catch up, you don’t have to figure it out alone.
And just like my client, you are not a failure for needing help, you’re brave for asking for it.
Let’s get you back in control of your money, your goals and your future.
Book your personalised consultation today.
🚀💰 #moneymatters #limitingbeliefs #financialeducation
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About Master Your Finances
Master Your Finances helps to make money matters simple for everyone. This mission is guided by the principle that you are the best person to make decisions about your own personal finances.
Built on three central pillars of self-responsibility, simplicity and independence, Master Your Finances focuses on empowering people to save, manage and grow their money in the UK.
Through founder and managing director Leticia Fonseca, Master Your Finances has helped thousands of individuals master their finances through guidance on how to:
- Get out of debt
- Organise their finances and start budgeting
- Invest in the UK
- Boost their retirement savings
Master Your Finances offers services and structures to suit a variety of needs:
- Personalised one-to-one financial wellbeing sessions
- On-demand money management courses
- Group workshops face-to-face or online
- Group mentoring programmes to start investing in the stock market
- Financial well-being awareness seminars
Find more information at masteryourfinances.co.uk
