Especially in today's economy, so many folks are facing stacks of bills and expenses that they absolutely cannot handle.
There are lots of unforeseen, life changing, events that can trigger a stressful financial situation; the most common are job loss, illness, death, and divorce!
The stress and financial burden often feels crippling and can bring on a hopeless, near-crippling depression.
Luckily, there are plenty of resources that provide meaningful, practical, debt management help.
Non-profit credit counseling organizations and business can help you with general financial advice, putting together a budget - one that actually works instead of the kind you rack your brain to create and never look at again!
They'll also help you negotiate lower rates with your credit cards or consolidate your debt payments into a single, lower payment if it's appropriate for you.
Keep in mind: the biggest problem most folks have with their finances is unn ecessary expenses... you actually won't even realize them unless you track your spending on paper.
Track what you spend for a month and you'll be surprised at how much money you can redirect to debt if you want to!
Finding A Good Credit Counseling Program
Considering how difficult it can be to talk openly with friends and colleagues about finances, finding good debt management help isn't exactly easy.
Here are some guidelines to help you:
* Start by looking at non-profit agencies.
They get paid from creditors - not you! - So there's really no need to spend money if you don't have to!
* Make sure you know, up-front, what services they'll give you.
Your first conversation will be all about how they can help you - whether it's general advice counseling, debt repayment, budgeting, etc.
MOST IMPORTANT: Check Their Listing With The BBB
After your first call, make sure you check with the Better Business Bureau for unresolved complaints that have been filed!
For more shockingly easy debt management strategies, including how to get a debt management plan, visit http://www.DebtManagementTips.net
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