Serena Smith recounts a period in her twenties where she maintained a lavish lifestyle despite earning a modest £17,000 a year. This included designer clothes, frequent travel to destinations like Dubai and Marbella, and expensive dining.

A Carefully Constructed Illusion

Smith’s lifestyle was funded by a pattern of binge drinking that began in her teens. This habit masked a growing debt of over £20,000 and led to reckless spending.

The Cycle of Debt and Dependence

The alcohol facilitated poor financial decisions and contributed to a toxic relationship with a manipulative partner who exploited her vulnerability. She worked multiple jobs – a full-time position at the Department for Work and Pensions alongside pole fitness instruction – to support her extravagant habits.

Facing Financial Strain

The financial strain eventually led to defaults on loans and credit cards, causing significant anxiety in her career within the financial services sector. The closure of her pole fitness studio, Dance Finesse, in 2016 due to financial pressures, worsened her situation.

A Decade of 'Living for the Weekend'

Smith describes a decade of prioritizing weekends and making alcohol central to her social life and identity. She worked tirelessly to maintain the appearance of success while secretly struggling with debt and emotional turmoil.

The Road to Recovery

Smith cleared her debt through relentless work, support from StepChange, and a small inheritance. However, her struggle with alcohol continued until the 2020 lockdown.

Finding Sobriety and a New Path

The 2020 lockdown inadvertently led to Smith’s sobriety, allowing her to rediscover herself and launch a successful mortgage brokerage, Mortgages with Serena. A brief relapse in 2021 reinforced the importance of continued vigilance.

A Cautionary Tale

Smith’s story highlights the dangers of living beyond one’s means, the insidious nature of alcohol dependence, and the importance of escaping toxic relationships. She now uses her experience to help others navigate financial challenges and prioritize their well-being.