Aideen Finnegan

And then the number comes up on your phone and you can see it written down.

Coming up, how to negotiate repayments on loans you can no longer afford.

Is there a way to combine your loans?

I know there are sometimes you see companies advertising that they can amalgamate the loan and then you're kind of just focusing on one.

OK, good to know.

Yeah, the mindset piece is huge, isn't it?

That's very important later on as well, if something ends up in court.

OK, tell me about that.

Well, there is a value, of course.

Yeah, that's helpful, isn't it?

Rather than you trying to imagine what someone is going to say is okay for you to live on.

Like on social media, you should be able to live on this amount or, you know, radio shows where it's like, why should I pay for them?

They should be able to do this, that and the other.

Yeah, but if it was just about numbers, it wouldn't be so much easier.

Yeah.

Yeah.

And I meant to ask you, are there offices, like do you have like a high street presence as they say?

Yeah, I've actually used the budgeting tool.

It's very handy.

Well, you know, our consumer affairs correspondent, Conor Pope, has said many times on this podcast, just get it out of your head and onto a piece of paper or, you know, wherever you want to write it down.