How are you doing on the top ten list? If you're not doing at least six of the ten, resolve to make improvements. Choose one area at a time and set a goal for incorporating all ten into your lifestyle.


Choosing Debt Consolidation Help Pick Wisely

Debt consolidation can save you from the financial problems that you are having. There are credit counselors available to give you advice on what can work for you. These counselors are affiliated with non-profit organizations, so they are there to help.

Not all of the counselors are free, or even cheap, though. Make sure you do research ahead of time to make sure you don't choose a high priced credit counseling service. It is best to talk to someone face-to-face about your debt situation. When a counselor can see your expressions, they can get a true feeling of what your situation is like. Over the internet or phone, they may have to guess, which would not provide you with as high quality of service. There is surely a local office near you that has financial counselors available for consultation.

Also, you can look into local consumer protection agencies or financial institutions for help. In addition to these formal options, you can always ask family and friends for information and advise. More people than you might think have had problems with debt and have gotten help through debt consolidation. You can use what they have learned through their experiences to help you to find the best way to get through your troubles, not someone pushing credit cards with a flat APR rate. Getting advise on debt consolidation from the best organizations consists of input on how to manage your money and debts more effectively, instructions on how to develop a budget, and as a bonus, many offer free workshops and educational material. You must make sure that anyone you talk to at these organizations are certified to give you advise.

They should have the proper certifications in consumer credit, money and debt management, and budgeting. A certified counselor should be able to listen to your problems, identify what you can do to make your situation better, and help you to develop a plan to solve your problems. If they are just putting your information into a standardized system to find out what you should do, you are not getting proper advise. This solidifies the advise above about meeting with a counselor in person. The more personal the service is, the better. You should able to meet with someone for an initial session, and be able to come back for follow-ups if needed.

Look into other organizations for help if this is not possible. You should be able to find plenty of information about debt consolidation companies without giving away any personal information. Beware of companies that want your address, phone number, or email address, or any information about your situation, before they tell you more about their company.

If they are a reputable company, they will want you to know as much as you can about them. You should avoid those other organizations. There are plenty of reputable organizations to choose from that will help you begin formulate a plan to become debt free.

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Financial Planning

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