Carrie-Ann McLean is no stranger to the challenges of debt and financial stress. For most of her adult life, she struggled with overwhelming debt, despite an ever-increasing income. This struggle left her feeling miserable, depressed, and trapped in a cycle of financial mismanagement that she couldn’t seem to escape. Her journey from financial turmoil to stability and the hard-earned lessons she gathered along the way have been compiled into her new book, Budget Right: Eliminate Debt and Improve Your Financial and Mental Wellbeing.
Her story is one of resilience and transformation. At the age of 51, she found herself homeless—not due to sudden misfortune, but as a result of years of financial mismanagement and poor money habits. This period marked a turning point, as she realized that her financial difficulties weren’t just about not having enough money; they were deeply rooted in a lack of financial literacy and a mindset that perpetuated her debt.
Like many others, Carrie-Ann was never taught how to manage money growing up. She was encouraged to get credit cards and loans at a young age, with little understanding of how to budget or save effectively. This led her to a life of impulse spending and financial irresponsibility, which only fueled her anxiety and depression. By her mid-40s, her debt had ballooned to an average of $35,000, and she found herself in a seemingly endless cycle of borrowing and spending.
It wasn’t until she began to confront her financial situation head-on that she started to see a way out. Gradually, she learned how to budget, manage her money more effectively, and, most importantly, shift her mindset about money. In 2014, after discovering a method to pay off debts quickly, she finally became debt-free. However, she soon realized that without addressing her underlying beliefs about money, she was at risk of falling back into old habits.
Budget Right is a way of sharing the knowledge she’s gained with others who are struggling with debt and financial stress. The book is more than just a guide to budgeting; it’s a holistic approach to achieving financial freedom. Carrie-Ann understands that the journey to financial stability isn’t just about numbers—it’s about mindset, habits, and the willingness to face hard truths.
In Budget Right, she offers practical tools and strategies to help readers take control of their finances. The book includes workbook pages, budgeting spreadsheets, and other resources designed to guide readers through the process of eliminating debt and managing their money more effectively. But what sets Budget Right apart from other financial guides is its focus on the psychological aspects of money management. She delves into the emotional and mental triggers that often lead to poor financial decisions and offers strategies for overcoming these challenges.
Her message is clear: financial freedom is possible, but it requires more than just a quick fix. It demands a commitment to change, a willingness to dig deep, and the courage to confront and reshape one’s money mindset. Through her book, she hopes to empower others to break free from the chains of debt and live a life of financial and mental wellbeing.
For anyone feeling overwhelmed by their financial situation, Budget Right offers a lifeline. Carrie-Ann’s story is a powerful reminder that it’s never too late to take control of your finances and build a brighter, more secure future. Her journey from homelessness to financial freedom is a testament to the power of courage, resilience, education, and a well-crafted plan.
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