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Based on your answers you are almost certainly dealing with financial hardship.
It is critical for you to get your spending under control as soon as possible. Avoid using any credit cards and create a budget to help cut out all unnecessary spending. This also helps you take an accurate assessment of where your money is going, so you can adjust your spending as needed. Once you have a budget in place, you will be in a position to make the decision needed to get your finances back on track.
We also invite you to give us a call – we’re here to help! A certified credit counselor can provide an accurate assessment your debts and review your budget for free to determine the best way to get your finances under control. You can call to speak with a counselor now or fill out our Free Debt Analysis and a counselor will call you.
Based on your answers to our debt quiz, you seem to be in good financial shape.
If you don’t already have a formal budget in place, we recommend you create a budget to help you keep an eye on your finances. Review your budget twice each year or anytime you make a change in your spending or income.
To avoid any problems with credit card debt in the future, keep a close eye on your credit card spending. We recommended using your credit card with the lowest interest rate. Make sure to pay off your debts as soon as possible. Ideally you want to develop a repayment strategy that allows you to pay off your balance completely each month so you can maintain a zero balance – remember, creditors will charge you interest each month no matter how low your balance is! Also make sure to check your credit report at least once per year with your free annual credit report so you can dispute any discrepancies.
We also invite you to use the resources in our Debt Learning Center so you can make even better choices for your finances with the right information. If you know someone who needs help with the finances or you’re ever in a situation where your own debt gets out of control, please call us at to speak with a certified credit counselor.
Based on your answers, it seems like you’re in need of some financial help.
A few of your financial habits indicate a more serious financial problem may be ahead if you don’t get a better handle on your finances. First, make sure to create a budget that accurately reflects your spending each month. Keep any credit card spending in check and try to develop your budget so it allows you to pay more than the minimum amounts due on your credit card bills each month.
If you simply can’t get your current debt under control with a basic debt reduction strategy, don’t wait to get help. Call us at to speak with a certified credit counselor today. You credit counselor can assess your debts and budget for free in a confidential, no-obligation consultation. If you prefer, you can get started online with a Free Debt Analysis.
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