No sooner have you been paid your hard earned wage than you watch your disposable income quickly evaporate, swallowed up by excessive interest and charges from lenders.
It’s of little surprise that many people who have unaffordable debts feel stressed, worried and anxious when thinking about payday.
When you develop a fear of payday, many people do not know how much exactly is in their bank account. People have even reported that they feel physically sick at the thought of checking their bank account.
Worryingly, many people with debt problems in Scotland hide their financial difficulties from their partners and spouses resulting in awkward conversations about where they intend to spend their money in the upcoming pay window. Restaurant, night out, holiday…new sofa, savings etc. If a partner or spouse do not know the extent of the debt or do not know about the debt at all, it is even more difficult for an individual to seek advice.
Left feeling skint as we say in Scotland, or to quote an old Scottish proverb a need to ‘Lay your wame to your winning’
5 Signs you’ve got Payday Dread
1. ✓ You no longer look forward to payday.
2. ✓ There is no disposable income at the end of the month.
3. ✓ You are borrowing money from family and friends
4. ✓ You make late payments on your credit card payments or you cancel direct debits.
5. ✓ Stress causes you sleepless nights worried about your finances.
If you have Payday Dread caused by multiple creditors chasing you for outstanding debts, you can take steps to get your finances back under control and look forward to a life after debt, when Payday can become enjoyable again.
If you do something about your debts today, you can stop worrying about it tomorrow.
Trust Deed Scotland has become the No.1 debt advice service in Scotland, with over 2,500 5* independent reviews collected over several years. Trust Deed Scotland prides itself on providing qualified debt advice that fully empathises with clients and their needs, who come from all areas of the country, who appreciate non-judgemental advice.
And, with the experience of helping over 20,000 people over ten years, whilst no two phone calls or home visits are ever the same, many similarities have emerged over the years.
From the reviews received by Trust Deed Scotland on Trustpilot, you can read thousands of comments and many of the individuals have felt empowered and left a more detailed commentary that demonstrates emerging trends.
“I should have done this ages ago!”
“The best part is that you don’t feel judged”
“A massive weight and stress has been lifted”
With so many similar stories emerging, it’s clear that many people have held out for years before finally seeking help over their financial difficulties. That same, sinking feeling was felt every payday for those individuals.
Seeking help over your Payday Dread!
You can call Trust Deed Scotland today on 0141 221 0999 and speak to a qualified debt advisor who can run through your income, expenditure and debt information in order to evaluate which solutions may be open for you.
Solutions that we offer include the Protected Trust Deed and Debt Arrangement Scheme. After speaking to an advisor, you’ll be made aware of the advantages, disadvantages and alternatives that you are eligible for.
Many of the thousands of people that we’ve helped, took the first step towards a life after debt by filling out our Trust Deed Wizard ®
🔒 100% confidential, no obligation. 🕕 It only takes 60 seconds to complete.