At Wits End

Welcome to the forums :D Don't feel bad,we all were,or are in the same boat.But here,we can find solutions to our debt problems. Since you signed up, a credit counselor will email you info,and you can discuss your options with them. Consolidation will have alot of benefits, much lower interest,and one monthly payment. You can also speak to them about budgeting. The more educated we become about debt,the more power we have over it.Good Luck,any questions,feel free to ask...Karen

Thank you for the welcome and encouragement Karen!

You're very welcome,that's what we are here for-to help and support you!...karen

Welcome Justice!! You've come to a great place! Karen is right, consolidation could definitely be an optiion for you. The counselor will discuss everything with you, and even point out some reputable companies.

Spend some time reading this board..You can gain a lot of insight, and have a lot of laughs too..We're here for you. Good luck, keep us updated!

Most financial problems occur because of our temptations only. If we don't get tempted on something that is not required at the moment, finance will never get messed up. Prioritize the basic expenses and then stress towards savings. What you think is necessary at the middle of the month, question yourself, "do you really need it now?" If you can avoid the spending on that day, it can be purchased at the end of the month from the money saved. The more you avoid an unnecessary requirement, you find yourself well balanced with your money. There are many other minute things that make a big difference. Budgeting is a must and for that we must be disciplined on the available cash, not on credit.