Debt was crippling my business and my self esteem until one day I made a decision.

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For whatever reason, I had to wake up in a ditch, in order to garner the motivation to commit to changing my financial situation.

I’d maxed out my last credit card!

I was £47,788 in debt across various credit cards, loans and overdrafts, without a clue how I was going to pay it back. After all, I’d be trying to clear it but year on year the amount grew!

I guess it was because I was in a state of denial, too ashamed to face up to my reality. Possibly still hoping, wishing and praying that my luck would somehow change.

Can you relate?

I knew I didn’t want anyone else to bail me out – it wasn’t as though I was seeking a knight in shining armour. I wanted to experience the pride and satisfaction of repaying all of my debt myself, by my own means and yet I wasn’t doing anything about it!

Well, actually, that’s not entirely true.

Much of my debt had been accumulated by investment into my business, in programmes and business coaching. It wasn’t a lack of strategy that I was suffering from when it came to making enough money to not only live but also pay off my debts!

I had experienced success in my online coaching business but for whatever reason, I was bumping up against an invisible ceiling on my income.

As hard as I tried, I’d have feasting months and then months of famine during which I’d find myself spiralling downhill. I felt completely out of control and I was looking externally for answers. I was terrified if I’m honest.

I threw more money into my business. I was seeking some magic bullet outside of myself that would give me everything I wanted and set me on my path to financial freedom!

I realise now that there is no magic bullet outside of myself. That in order to change my situation, I had to look within and change myself.

𝙏𝙝𝙚 𝙛𝙞𝙧𝙨𝙩 𝙩𝙝𝙞𝙣𝙜 𝙄 𝙝𝙖𝙙 𝙩𝙤 𝙙𝙤 𝙬𝙖𝙨 𝙩𝙤 𝘿𝙀𝘾𝙄𝘿𝙀.

I made a decision that this time, in spite of all the failed attempts in the past, I was going to liberate myself from debt. And become Paid in Full once and for all!

I set myself a goal to clear all my debt in 6 months and if I succeeded then I’d write a book about how I did it!

The impact of a decision is so powerful!

I’d spent literally decades of my life trying to get a handle on my finances and pay off my debt. Yet, I always failed and I didn’t have the first clue why!

I know now that I hadn’t really committed to the decision to become debt-free. I always had one foot in the “I really want to be debt-free” camp and the other foot in the “Yes, but, it’s too hard” camp. The internal conflict was keeping me stuck.

You see there’s a huge gulf between wanting to achieve something and deciding to achieve something.

In that gulf exists fear, limitation and excuses. Reasons to stay in bed, instead of getting up and taking massive positive action!
But, by actually deciding, you’re leaping over that gulf and committing.
It’s empowering, and it changes everything.

A decision takes you out of the realms of limiting beliefs and internal conflict. Because you’re making an assertion, setting an intention, that cuts you off from all alternatives. You’re burning the bridges to take the island, so to speak.

The derivation of the word “decide” is literally “to sever” or “cut off”.
Once you empower yourself with a decision, you embolden your state of mind and begin to think differently. A decision refines your focus on what it is that you want to achieve.
You’ve leapt and if you don’t start moving forward towards the goal, you’ll fall. It requires massive action and doing things differently.

I remember listening to an interview with Bob Proctor and he said something that I’d never really considered until this significant moment.

Bob was talking about a couple who were telling him how much they’d love to buy a property on the coast.
Bob asked them “Why don’t you buy it then if you love it so much?”
They retorted “We don’t have the money! We can’t afford those prices!” and Bob replied, “You don’t need the money!”

The couple was confused (as was I at that point!) and asked “What do you mean? Of course we need the money!” and Bob said, “You don’t need the money to buy the house, because you haven’t yet decided to buy the house!”

They were stuck in the gulf between wanting and deciding, where, as I said earlier, limitations and excuses exist. However, they didn’t need the money because they hadn’t decided to buy the house. If they made the decision to buy the house, they would free themselves from the gulf so they could move forward and take the required action to raise the money.

Bob concluded this interview by sharing that this couple made a decision and within 12 months they were in their dream home on the coast.
I have made many decisions in my life – as they say, leapt and grew my wings on the way down.

My business is one such example. I resigned from my respectable 9-5 job in the financial services industry (I know! The Irony…) to start my coaching business with no clue how I was going to make it happen.
But, I had decided that I was going to create a business of my own and that was all I needed to start.

The ‘how’ shows up.

Your brain is like a goal-seeking missile. As soon as you’ve committed to your ‘what’ and you’ve leapt that gulf, your brain starts working for you – seeking out the ‘how’. You start getting the ideas, possibilities and resources to help you get moving.

Rarely, in this monumental moment of decision is there fear or doubt. There are just excitement, relief and a renewed energy and enthusiasm for life.

As Tony Robbins says “It’s in your moments of decision, that your destiny is shaped”

That decision changed my life. I cut off all alternatives and excuses and immersed myself in this ‘experiment’.

Within 9 months I was not only debt-free but also published with a number 1 bestselling book on Amazon. I am truly proud of PAID IN FULL: Free Yourself From the Burden of Debt and Live Your Best Life Now!

What Decision do you need to make today?


P.S You can grab your copy of the book PAID IN FULL: Free Yourself From the Burden of Debt and Live Your Best Life Now! and read about how I did it.

If you’re interested in getting immersed and joining a community of like-minded coaching entrepreneurs all working together to clear their debt then check out my Paid in Full and Prospering Academy.


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