When I was heavily in debt, month end was always the hardest time of the month for me.

That's when my desperation and shame about money would reach an all time high and I’d start panicking because I knew I didn't have enough money to cover my bills and something was going to bounce.

At the same time, I was petrified of people finding out the truth about my finances.

My friends, who knew what was happening, told me to do affirmations and visualization and that everything would shift when I did this.

I even started budgeting because I wanted to see a shift in my life.

Yet something interesting happened in my world – the more I affirmed, the worse I felt and the more critical and negative I became towards myself.

I was convinced there was something seriously wrong with me. I believed I was beyond help and that I was cursed when it came to money.

I’d