The Situation
You have had raises. You have had good months. Twice you got close enough to see the end of it. Then the car went, or the boiler, or a bill arrived that you had genuinely forgotten about, and you were back where you started. Not ruined - back. The same number, the same month, the same feeling.
People who write to me about this have usually already done the practical work. They have the spreadsheet. They know their interest rates. That is precisely why it is unbearable: they are doing everything correctly and the shape of it will not change.
What I Actually Do
I work on the pattern, not the balance. In most of these cases the debt is a symptom of something that predates it - often something inherited, in the sense that the same relationship with money existed in the house you grew up in. The fourteen-day working addresses that, and the report tells you what I found in plain language.
You will get one paragraph in that report that no ritual can replace: if part of what is happening is a rate, a term or an arrangement that a debt adviser could fix in an afternoon, I will say so. I am not qualified to advise on that and I will not pretend otherwise. In the UK that help is free and independent; in the US, non-profit credit counselling does the same job.
What This Will Not Do
It will not clear a balance, stop a creditor, or produce the money. If you are facing a specific deadline - a court date, an eviction, a default - please go to the practical help first. I will tell you the same thing if you order, and I would rather tell you now, before you have paid me.