Are you trying to survive on reduced or no Family Finances?

Are you taking care of the family finances?

Are you confused about where to turn?

Are the Family Finances getting the best of you?

Don't know where the money will come from to pay all the bills. Creditors calling all day long.

They just won't let up.

Money! Money! Money!

Ready to pull your hair out?

Coping with financial stress can add years to your life. Topping that off, with the reduction in income, what is a family to do? You want to tell them, "You can't get Blood out of a Turnip".

Go ahead...I did.

It didn't do any good but they didn't know what to think and they didn't call back for a while.

Of course, they still wanted their money. I knew, I would have to do something to help our family get out of this situation. Our family finances were depleted. There wasn't enough money to stay ahead of the bill collectors.

I knew something had to be done. There are several ways you deal with this:

1. I myself, would not have considered a consolidation loan. This is like putting all your eggs in one basket. This is where all your bills are collectively combined and you have one payment for all.

This will extend your payments out for quite some time. Also, the interest rates are steep.

2. I suggest trying a Credit Counseling Service. They can help you get your finances in order very quickly. They can give you advice on budgeting and finance.

They will consolidate all your bills into one and you pay the money directly to them. They will then pay your creditors for you.

They do charge a fee for their services, but nothing like you are paying to the credit card companies. You will have more money to use for other things and possibly become financially stable again.

They can help you with all unsecured debts:

Credit Cards.

Doctors Bills.

Attorneys Fees.

and many others.

3. You can learn how to track your spending. Set aside money for emergencies. And to repay your previous debts.

They can even give you advice on bankruptcy solutions. Just remember if your finances are over your head and can't see daylight, bankruptcy may an alternative for you.

I don't recommend this because, it will destroy any credit you may have that is in good standing. But, this is an alternative if you have to.

We had to do this because our earnings didn't go very far. Even with three of us working it did not come near what my husband made at work.

We were about to lose our home and everything we had worked so hard for. I don't recommend this because it will destroy any credit you may have that is in good standing.

The reason I say that is, you won't be able to buy anything on credit unless you are willing to pay very high interest rates.

And too, you credit will be bad for seven to ten years. Believe me it is very hard to build up credit after bankruptcy. But, this is an alternative if you have to. Surviving financial problems is a difficult task without the added stress it causes.

If you have any questions or I can help you with anything please contact me through my Contact Me Page.

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