Our financial mentors (aka budget advisers) will not judge you for what you have done in the past. All clients start with a clean slate and we understand and have seen how many people get into trouble with their money. It isn’t our job to criticise or to rubbish actions you may have taken in the past. It is our job to help you create solutions and support you going forward.
It is true that most of our clients come to see us because they need solutions to issues they have with their money (either income or costs). In some cases the damage done to that person’s finances will require an insolvency solution. However we find that the earlier we are involved, before it gets too bad, the quicker and easier it is for clients to turn things round and get control of their money again. In some cases clients will come in just to verify that they are doing a great job with their money and get tips on how to further improve their money management.