When you’re buried beneath what can feel like a mountain of debt with your life crumbling around you, it is far too easy to feel as if you need to give up hope completely. I’ve been there myself – the constant phone calls and harassment from the credit companies and the third party collectors who are doing their dirty work for them and collecting the money. Nobody had told me about debt consolidation or how it could help me. If I had known about it years ago, I wouldn’t have spent so much of my time running away from that debt instead of facing it.
I freely admit that I do not have any notion of fiscal responsibility. Even the idea of trying to save money is kind of a foreign concept for me. Continue reading “Falling Behind As an Adult”