I feel so anxious about £8k debt, I’m trapped in a vicious spending cycle – how to find your way out

TEARS roll down mum-of-two Zaneta Ballard’s cheek as she checks her bank balance, she’s already deep into her overdraft and owes £7,000 on credit cards. 

The 37-year-old from Buckinghamshire, who runs an online shop selling nail wraps called The Happy Nail Place, is trapped in a vicious cycle of buying online to distract from her anxiety and then feeling anxious about not having money.