It's been said that money changes people - I'm not too sure. I guess it's because I believe that people are who they are and as each new circumstance enters their life new choices are available, they see new things and who they are appears, only in a different light.
Because I am focused on helping people manage their money on a day-to-day basis, I am always looking to find new ways to do this. New ways to ease their confusion and anxiety. When working with self-employed individuals I find that my optimism over simple things that can be done to make a difference, helps them build hope that they can be in a better financial position...and they can. It just takes the awareness you are in trouble and need help; the willingness to ask for help and the important step...the ability to take action on your own behalf.