Dear Vanessa,
I'm 54 and feel like my whole life is falling apart.
My husband and I split up last year, and since then, my finances have spiralled. I'm drowning in credit card debt and behind on my mortgage.
Some days I can't even get out of bed - the worry makes me feel physically sick. I feel too ashamed to tell my adult kids how bad it is, and I've started avoiding my friends because I can't afford to go out.
I know I need to face this, but the anxiety is crippling me. Where do I even start when my mind is a mess, and my money is worse?
