I'm more of a debit card person, and I live in the 'now'. I don't like credit cards anymore. I try to live with whatever I can afford and don't try to put myself in an awkward position. I've done that before.

Working on solo material is something I had always dreamed of doing, and I'm incredibly happy with the results. 'Everything To Me' is a very personal song to me lyrically; it is such an upbeat and optimistic record, perfect for the summer. I can't wait for people to hear it!

I put all my eggs in one basket and invested in property. I didn't do anything internationally - it was all in Ireland.

When I finished Westlife, we had - Louie Walsh is still managing me - I was lucky to have options from different labels such as Sony and Universal. When we met Capitol and Nick Raphael, I just believed in them the most, and it looked like they believed in me the most.

The couple of years before I was declared bankrupt were the roughest. The bank letters, the pressure, the stress was awful. You're in this twilight zone of not knowing where your life is going, and yet you're in Westlife. Everything was great with the band. I was earning money, and it looked good.

It's amazing how lucky Westlife were and what we achieved. It's very rare to have seven number ones in a row. Ridiculous in fact.

I have worked long and hard to try to reduce my debts, and I am devastated that it came to this conclusion. I now intend to focus on the remaining dates of the Westlife tour and my commitments to the band before looking to rebuild a future for my wife, my three children and myself.