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Transcript

Overwhelmed by Debt After Divorce? How to Heal Financially & Rebuild Your Life · Bent Not Broken: Starting Over After Divorce | Post Divorce Life

• 0:01
  SPEAKER_00: Welcome to another episode of Bent Not Broken.
• 0:04
  SPEAKER_00: Heartbreak and trauma may feel like the end of your story, but here it's the beginning of a bold new chapter.
• 0:14
  SPEAKER_00: I'm your host, Coach Deborah Griffiths, and this is the space where women rise, rebuild, and rediscover their purpose.
• 0:23
  SPEAKER_00: Remember this truth.
• 0:25
  SPEAKER_00: You are bet, not broken.
• 0:32
  SPEAKER_00: If you've ever looked at your bank account or your credit card balance and felt that wave of panic rise up in your chest, this episode is for you.
• 0:45
  SPEAKER_00: Because today we're not talking about shame.
• 0:49
  SPEAKER_00: We're not talking about fear.
• 0:51
  SPEAKER_00: We're talking about taking your power back.
• 0:55
  SPEAKER_00: I'm Coach Deborah and welcome to this Bent Not Broken Bonus Coaching Session.
• 1:00
  SPEAKER_00: Let's start here.
• 1:02
  SPEAKER_00: If you are feeling overwhelmed financially, especially after divorce, leaving a toxic relationship, or becoming a single mom, you're not feeling.
• 1:14
  SPEAKER_00: You are adjusting to a completely different life.
• 1:18
  SPEAKER_00: You went from one household to two, from shared responsibility to caring it all.
• 1:25
  SPEAKER_00: That's not weakness, that's reality.
• 1:28
  SPEAKER_00: And here's the truth I want you to hold on to.
• 1:31
  SPEAKER_00: You are not bad with money.
• 1:33
  SPEAKER_00: You were never taught how this system actually works.
• 1:38
  SPEAKER_00: One of the most powerful things our guest said is this your credit score is not your worth.
• 1:44
  SPEAKER_00: Let me say that again.
• 1:46
  SPEAKER_00: Your credit score is not your worth.
• 1:52
  SPEAKER_00: It is simply a number that tells lenders how well you play their game.
• 1:56
  SPEAKER_00: But right now, we're not playing their game.
• 2:00
  SPEAKER_00: We're rebuilding your life.
• 2:02
  SPEAKER_00: So here's your mindset shift.
• 2:04
  SPEAKER_00: Stop trying to look financially good and start working to become financially free.
• 2:12
  SPEAKER_00: Now let's get practical.
• 2:14
  SPEAKER_00: If you're overwhelmed, I want you to focus on just three simple steps.
• 2:21
  SPEAKER_00: Step one, stabilize your foundation.
• 2:24
  SPEAKER_00: Before anything else, take care of your basics, your rent or your mortgage, your food, your utilities, your transportation.
• 2:33
  SPEAKER_00: That is your foundation.
• 2:35
  SPEAKER_00: Not your credit cards, not your score.
• 2:38
  SPEAKER_00: Your job is to create stability for you and for your children.
• 2:43
  SPEAKER_00: Step two, face the numbers without emotion.
• 2:48
  SPEAKER_00: I know this is the hard part, but avoidance creates anxiety.
• 2:54
  SPEAKER_00: Clarity creates control.
• 2:56
  SPEAKER_00: So I want you to sit down and ask, what do I owe?
• 3:00
  SPEAKER_00: What are my minimum payments?
• 3:02
  SPEAKER_00: What is my income?
• 3:04
  SPEAKER_00: No judgment, no shame, just facts.
• 3:08
  SPEAKER_00: Because action brings clarity.
• 3:11
  SPEAKER_00: Step three, choose a strategy and not panic.
• 3:16
  SPEAKER_00: Once you know your numbers, you have options.
• 3:20
  SPEAKER_00: You can use the snowball method, which is paying off one debt at a time.
• 3:25
  SPEAKER_00: There's debt settlement, there's credit counseling, and bankruptcy if necessary.
• 3:31
  SPEAKER_00: There's no perfect option, only the option that works for you right now.
• 3:37
  SPEAKER_00: And making a decision, even a small one, moves you out of stuck.
• 3:44
  SPEAKER_00: Now let's talk about something we don't say enough.
• 3:48
  SPEAKER_00: The system profits when you stay in debt.
• 3:51
  SPEAKER_00: So why are you carrying shame for something designed to trap you?
• 3:56
  SPEAKER_00: Let that go.
• 3:57
  SPEAKER_00: You are not irresponsible, you are not behind.
• 4:01
  SPEAKER_00: You are learning, you are growing, and you are taking your life back.
• 4:07
  SPEAKER_00: I want you to hear this.
• 4:09
  SPEAKER_00: You can rebuild your finances the same way you rebuilt your life.
• 4:14
  SPEAKER_00: One step at a time, one decision at a time, one brave moment at a time.
• 4:21
  SPEAKER_00: You've already done the hard things.
• 4:23
  SPEAKER_00: This is just your next chapter.
• 4:25
  SPEAKER_00: And if you know another woman who is feeling overwhelmed, stuck, or silently struggling with her finances, please share this episode with her.
• 4:35
  SPEAKER_00: You never know who needs to hear that she's not alone.
• 4:40
  SPEAKER_00: And if you're ready to go deeper, if you're ready to not just survive this season, but to truly rebuild your life, I invite you to book a discovery call with me.
• 4:50
  SPEAKER_00: The link is in the show notes.
• 4:53
  SPEAKER_00: Because you don't have to figure this out on your own.
• 4:56
  SPEAKER_00: Remember, you are not broken, you are rebuilding.
• 5:01
  SPEAKER_00: And your next chapter starts now.
• 5:06
  SPEAKER_00: Thank you for listening to today's episode of Bent Not Broken.
• 5:10
  SPEAKER_00: I hope that this episode reminded you that even through life's toughest moments, you are bent not broken.
• 5:19
  SPEAKER_00: If this message inspired you, please share, rate, review, and subscribe, as it helps us reach more women who are ready to rise and rebuild.
• 5:30
  SPEAKER_00: And until next time, keep living bold and walking in your purpose.