I'm a stay-at-home mom caring for two year old identical twin girls.

I previously come from a financial industry background in the consumer insolvency sector.

Personal Finance > Managing Debt Testimonies: How debt can make you feel

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The sun shines outside, streaming through the window and casting a warm pink glow through your bedroom. The kids are still sleeping peacefully in their beds and a golden silence fills the house.

Plans for the day rush through your mind as you head downstairs for that first warm, hot cup of coffee which your spouse brewed freshly for you before leaving for work.

Life is good.

By 9am, the house is awake and full of action. You sit down to a slice of toast and yogurt with your kids. The phone rings. Immediately, you think it must be your spouse saying good morning and inquiring as to...

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