I worry about putting food on the table, paying for my kids needs, their college fees in years to come. It's about earning enough to have a living to be able to look after your children.

I didn't want to be a solo Westlife - covers and ballads - and the reason I signed with Capitol Records was because they wanted me to write songs myself. It was pretty scary, but they put me in a studio in Nashville with some new songwriters, and the results were pretty good.

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.

My kids are Irish; I want them to grow up playing Gaelic football and learning Irish.

You shouldn't end a band like Westlife and not be financially secure to some extent, but I wasn't at all - it was the complete opposite. But you look at stuff then, 'Well, what do I have? I don't have money but I have a great marriage, three healthy kids, and I have my voice. I'll just start again.'

My mum and dad ran a family cafe in Sligo for 35 years and worked long hours. We grew up in a very hard-working family and had a lovely atmosphere, as we lived above the restaurant. It definitely made me want to work hard, whatever I chose to do. As the baby of seven kids, I was definitely a bit spoilt.

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.