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 don’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 wasn’t easy. I often worked three jobs. I also did without the “latest and greatest” 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.