Ruth has changed my life! If you are having financial difficulties coaching is 100% the way to go. Yes, I know you could save the money to pay something off but does that change your habits? Has that helped you make any progress thus far?
Ruth teaches sustainable practices that lead to change. Do yourself and you're relationships a solid and get in touch with her. She will not let you down. Don't spend another moment stressed about finances. You can make a change. "Work is the vehicle of change. Let's make some change!"