Free Financial Advice for Credit Card Help, Debt Reduction, and Achieving Financial Independence
Where is your bottom line?
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First Financial Help
Track your spending.
It can be a pain to write down what items you have bought, especially on credit, but you need see the clear picture to make an effective game plan. What is your rent or home payment? How much is monthly insurance and taxes? How much are groceries, gas, phone, electricity, and heat? How much are cable services, Internet services, magazine subscriptions, health club dues, clothing, and other membership dues costing? And of course how much are your debt payments, auto credit card, consolidated loans, equity loans and more? Don't forget extras like Christmas and other special occasions.
You won’t know where you are going if you don’t see where you are coming from? Try and make a budget and then review it at the end of the month. How did it go and what are you going to do about it?
The bottom line is if you are thinking you are getting into trouble with debt, then you probably are. The biggest mistake you can make is right at step 1 in deciding to do nothing. But you are here right now! That means you have a great chance to make a difference.
Here is a way to see what something really costs when you use debt to purchase it. Would you knowingly purchase it if you knew this hidden number? How long do you have to work to earn after taxes the amount calculated to pay for it later?
The eighth Financial help step is to take control and take responsibility.