If you are suffering from financial hardships we
recommend the following steps:
1. Review all debts.
2. If a portion of the debts are on credit cards or
high interest department store cards, and you owe more
than $10000 on these cards, consider getting a debt
consolidation loan. You will have one small monthly
payment with a small interest versus many large
payments.
3. Attempt to reduce unnecessary expenses. Only
you can know what these expenses are.
4. Avoid any type of banking fees for bounced checks,
exceeding your overdraft etc. Bounced checks can
hurt in two ways, one from the bank fees, and the
company who experienced the bounced check will also add
a fee and interest charges. You can do this by carefully
reviewing expenses and making sure you have the correct
amount in the bank. If not consider getting cash
advances when necessary.
5. Eating out can become very expensive. Purchase
groceries whenever possible.
6. Good Luck!
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