In today’s economy more people than ever before are looking for financial education, credit counseling, and debt management. I don’t know why these aren’t standard curriculum in school classrooms. Why is it that most Americans donâ€™t teach their kids about s3x and money until after they’ve gotten into trouble. Experience might be the best teacher, but it certainly isn’t the easiest and some mistakes are forever.
Luckily, money mistakes can usually be corrected. If you are struggling with overwhelming credit card debt you might be an excellent candidate for debt consolidation loans. The Debt Consolidation Connection is a non-profit agency designed to help people manage their debt, and get their financial lives back under control. If you need help, check them out.
When I first got out of college my credit cards were maxed, the student loan payments came due, and I still had rent, utilities, groceries, etc. I sat with my checkbook and my bills one day and just crying. Thanks to my education I had a better paying job than ever before, but thanks to my bills I actually had less money to live on at the end of the month than I did when I scrubbed toilets for a living.
Getting into debt is easy. Getting out is harder. Still, it can be done. I paid off three credit cards, kept a roof over my head, made my car and my insurance payments, plus built a savings account. It wasnâ€™t easy. I often worked three jobs. I also did without the â€œlatest and greatestâ€ gadgets and toys, but it was worth it. And the few luxuries I did purchase were researched and well thought-out. I paid cash for them so I had to scrimp and save to get them. Because of that I value them so much more than I ever valued any of my credit card impulse buys.
8 thoughts on “Sometimes You Just Need Help”
This sentence: “Experience might be the best teacher, but it certainly isnâ€™t the easiest and some mistakes are forever,” is too good for a sponsored post.
Doug — what!? You want me to give my best stuff away for nothing?!
I just got good news from Ella Numera Una…she plans to pay off her college and law school debts herself. Woo-hoo!!
Melissa — happy dance!
Well, Quilly, now you are meddling. I definitely know from experience that learning from doing and experiment is the best teacher for s3x. My father ‘taught’ me by saying that I surely had observed the farm animals and there wasn’t anything else he could teach me.
I have enjoyed checking him out ever snce, he was wrong but I still don’t know for sure how wrong he was. And at my age time is running out for too much more learning. So they say.
Have a nice week, 🙂
Jim — tell that to the pregnant, unwed teenager whose boy friend took off and whose parents just tossed her out on the streets. And all the kids with STDs, too.
Waiting until you have the cash to buy something is the best stay out of debt advice I ever got.
The caveat on this is that you have to be careful because there are a lot of so-called debt consolidators out there who are actually crooks. I agree with Nessa’s advice. That’s how I lived until I got sick. Then I spent a while buying my groceries and surviving on credit. There are lots of people out there who can’t survive on what they have to live on.
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