Re: I need help clearing up debts!
This is what most of the finace books advise.
1) Cut up those credit cards.
2) Make a budget.
3) Get rid of the non essentials. Do you really need state to state long distance, caller ID, call waiting, HBO and those $250 deductibles?
4) Start a savings account for emergencies.
5) Track you expenses
6) Avoid bank fees, late charges, buying items from stores with a no return policy or restock fees, ATM POS fees, etc.
7) Talk to your creditors.
I hope this helped.
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