If You're In Debt, Get Help!

If you're in debt, I recommend finding a down-to-earth financial advisor like I did. I don't know what I would have done without her. I never thought I would see a light at the end of the tunnel until she helped me put together a budget.

Your financial advisor could be a friend who is good with money and has been through getting out of debt or who is just money-savvy or has some background in managing money. So don't think you can't get help just because you can't afford to pay a licensed professional.

If all else fails, you can go to a Consumer Credit Counseling agency like I did. It's free unless you sign up for a Debt Management Plan, which has a relatively small monthly fee.

My bills were so overwhelming that I couldn't seem to get focused and I was never sure what bills were going to be coming in. Maybe in some ways it was easier not to see it in black and white and to stay in denial, but I'm glad I'm facing it squarely now and am determined to work at it. To see if you might be in denial about the seriousness of your financial situation, see Eight Warning Signs That You Might Be Headed for Bankruptcy. It's an eye-opener. The Top Ten Warning Signs of Too Much Debt is also very interesting. ~ Mary