I want to give back a bit and this is my way of possibly helping. I developed this spreadsheet that can help amanage all of your finances. It can be modified for a single income easily, or is already set up for 2 incomes. The way it is set up is for 1 income that gets paid every two weeks (mine), and the other for bi-monthy (my wifes-paid on the 15th and the last day of each month).
It helped us, and I hope it helps a few here. The file is an Excel file, but I had to put it in a ZIP file to upload.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.