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"I don’t worry about the embarrassment of my cards being declined at the tills any more."
We’re not strapped for cash all the time, turning to payday loans or friends and family for help. As a proud man and father that was one of the hardest things.
We couldn’t sleep properly, worrying about bills, avoiding calls from unknown numbers. I used to hide from the postman in case it was a bailiff. Not any more.