Separate facts from shame
Name the financial situation without turning it into a judgment about your worth.
Premium guided workbook
Money, Shame & Recovery
A combined workbook for debt shame and the different ways money can become a recovery trigger.
Digital PDFPrice shown on Payhip
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49 printable pagesUS Letter PDF
Evidence-informedSource notes and limits included
Original materialNo client or workplace content
Educational resourceNot individualized therapy
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Practical pages built for real moments.
For people facing debt shame, avoided bills, collections, family borrowing, payday risk or unexpected cash.
Map four money triggers
Notice how having money, not having enough, debt pressure or a windfall changes risk.
Face one practical task
Open a bill, prepare questions for a collector, or draft an honest family conversation.
Repair at a realistic pace
Use a 7-day practice and reusable planning pages while seeking qualified debt guidance when needed.
Useful claims, carefully stated.
Authoritative foundations
The workbook includes source notes connecting its planning exercises to CAMH relapse prevention guidance and Financial Consumer Agency of Canada resources on debt, collections and credit counselling.
Original exercises
The worksheets translate established recovery principles into practical reflection and planning. The full workbook itself has not been tested as a clinical intervention.
Measure personal fit
Readers are prompted to notice what changed, then keep, adapt, combine, replace, or bring a strategy into appropriate care.
No inflated promises
No worksheet can guarantee abstinence, prevent every crisis, or replace medical, psychological, or substance-use treatment.
Clear, optional, and recovery-supportive.
Use at your own pace
Readers can pause, skip questions, or complete pages with a trusted support. No disclosure is required.
Bring it into care
Use completed pages to organize questions or discuss patterns with an appropriate counsellor, peer worker, prescriber, or treatment team.
Know when to escalate
The resource repeatedly directs urgent medical, overdose, suicide, and immediate safety concerns to professional, crisis, or emergency help.
No outcome promises
The workbook supports reflection and planning. It does not diagnose, treat, replace care, or guarantee abstinence or safety.
What your purchase permits.
Personal-use licence. The purchaser may print copies for their own use. The file may not be shared, posted, or resold.
- Digital products may not be resold, posted online, or used to create a competing product.
- Because the files are digital, completed downloads are normally final sale, except where required by law or if a duplicate or unusable file needs correction.
- Keep crisis information and treatment referrals freely accessible. This purchase is always optional.
Before purchasing.
Is this therapy or medical advice?
No. It is general education and structured reflection. It is not a diagnosis, treatment plan, medical direction, emergency service, or replacement for professional care.
Can I print it?
Yes. The PDF is designed for US Letter paper and can also be completed digitally using a PDF annotation app.
Can I share the file?
No. The licence follows the purchaser. The facilitator toolkit includes limited permission to print participant handouts for the purchaser's own direct groups or clients.
What happens if I am in crisis?
Do not wait for a worksheet. Call 911 for immediate danger or a medical emergency. In Canada, call or text 988 for suicide crisis support.