4. There is Too Much Debt

Sometimes, you have a good level of income but you have got in over your heads in debt. If you realize that you are in this position, then you need to take steps to start getting out of debt. The first step may be to cut your spending, or even to cut up your credit cards. This is where a good financial counselor can really be helpful. They can help you to find ways to pay off debts sooner and advise you on ways to deal with aggravating creditors.

There is a Deeper Problem


Stephanie Tutin
how do I get help for my money spending problems?
Diane Richards
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Or a family who expects you to give just because you have more.
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