How does one go about digging themselves out of a financial mess?

For me it starts with a lot of stress and denial. Not sure how I ended up in this pickle but here I am.

The move to London cost me a lot but this pretty much all started years ago. I've never been a responsible adult when it comes to money, I worked hard, I played harder and spent my income way too impulsively. I earn a decent amount of money, but somehow manage to waste it and now I'm in a situation where I'm continuously at the limit of my overdraft.

Anyways, I made a post on BBM mumbling something about money trouble and my little sister, bless her, has offered to help me out. Now I'm a proud man, I work very hard, even harder at present but I never asked her or anyone for help, I was convinced I could drag myself out of this mess. Now I haven't accepted her offer as I might liquidate a life policy or two and see if that helps and cut out a lot of the more frivolous aspects of my spending. But her offer made what was a tough day that much easier.

I just thought I'd write this down, get it out in the open so to speak (I'm too honest for my own good but sometimes I hold the biggest worries inside for too long)



Stay strong and never surrender

Edit: I also changed my name here, the novelty of the old nick wore off