Household bills, credit card bills, bank charges, late-payment fees, kid expenses, mortgage refinancing, IRA transfers ... divorce often means having to deal with all of these all at once. It's a deluge that can be overwhelming even if you are used to handling all the finances. If you haven't been handling the finances, then you might feel like you're drowning.

Layer on top of that the emotions and beliefs we all attach to money and it's no wonder people procrastinate and delay dealing with this and end up feeling incompetent and inadequate.

But living on a fixed income, with no one else sharing the financial responsibilities means we do have to deal with it, and the sooner the better. But where do you start, and how do you do it?

Joining Mandy for this Conversation is Shannon McLay, CEO of The Financial Gym. Shannon believes the key to financial success for most people is human contact, not a website or an app and given the right guidance, anyone can be financially fit.

Find out more about working with a financial trainer at the Financial Gym. Membership is usually $85 per month with a money back guarantee and through the Summer you can get up to 30% off the monthly membership for your first year. This is the special offer Shannon talks about during the show.

Remember, you'll find a synopsis of this show at Mandy's blog, Since My Divorce.