The viral ‘finfluencer’ Clare Seal, better known by her handle, My Frugal Year, to her almost 120,000 Instagram followers, is known for her compassionate approach to managing debt. Having cleared £27,000 of credit card debt, the author and financial coach sat down with host Claer Barrett to share practical tips on how to start repaying debt, manage the cost of parenthood and address feelings of shame surrounding indebtedness.

If you need to speak to someone about your debts, please seek advice from free debt advice charities such as the National Debt Line and Step Change.

This episode contains a mention of suicide. If you are in need of urgent mental health support, please contact your local emergency services or reach out to a mental health helpline, such as the Samaritans.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Want more?

Check out Claer’s column, A dating app with credit scores: what’s not to love?

Listen to more episodes on financial planning, such as How to Sort Your Financial Life Out in 2024, Credit Card Clinic: How to get on top of your debts in 2024, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

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I’m in over my head with debt: what now?

Money Clinic with Claer Barrett

I’m in over my head with debt: what now?