I need your help. I have an addiction that I cannot overcome.

My addiction has now led me into a financial disaster. I am divorced and my kids have flown the coup.

I have been pretty unhappy for many years and really never recovered from what became a pretty nasty divorce.

I shop! I shop all night sometimes. I can't remember the last time that a week went by and I did not shop. There are so many great things happening online and cannot seem to help myself.

My credit cards are now maxed out and I have little actual money left.

I have only been able to find three days a week work, so don't have a lot of income.

I am desperate. Please tell me what to do.

If it were only as simple as cutting up your credit cards.

We all know they can be easily replaced.

I feel for you and your current situation,but rest assured you can find your way out.

Do you not have someone you can trust to talk to about this? Somebody who can hold your credit cards safe while you sort your life out?

Quite often people become addicted to shopping and other such addictions in an attempt to make themselves feel happy.

Having "things" is part of the needs we as humans count as comfort. Your divorce has clearly been very difficult for you to accept and may well be at the core of your current problem.

First, you must seek help. Find a counsellor you feel you will be comfortable with and pour out the whole sorry story. They will also be able to guide you to whom you need to speak with to ensure that you dont slip into a financial position that is not redeemable.

Apart from the emotional issues, you clearly need a plan to start paying back your credit cards.

The black mark on your credit rating will be very difficult to erase otherwise.

You have lost control and need to get it back. Act quickly!

Answer seems pretty clear. Cut up your credit cards.

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