Times are Tough
It’s just a fact.
Unemployment rates are up. Gas, food, and housing costs are skyrocketing. And now we are hearing about the potential taxpayer burden that might come our way with the bailout of Freddie Mac and the like. It’s not a good time to try to squeeze a full dollar out of a dollar, you know?
It’s no small wonder that almost every commercial break on radio and television seems to have a commercial about credit counseling. People are using credit more and in more creative ways. We’re quite literally juggling a pile of creditors just to stay afloat in some cases.
Credit counseling does not have to entail massive refinancing and consolidation, though it sometimes does. Often, people just need tips on how to pay down debt and keep things running tightly. After my divorce, I was left with a little pile of debts from unpaid bills I did not realize had even been in solely my name. First off, it taught me to never again reply on letting just one person handle all of the money issue. Also, it started me on my little quest to learn more about debt negotiation. I picked up some fantastic tips in the Bills.com site and then went from there. I learned that negotiation is process and there is often a lot of back and forth communication before both parties are happy with the outcome. I learned to be patient, take my time, and never lose my cool.
Money is a necessary evil. We all know that. And with every rough patch on our own personal financial road, we become just a little bit closer to being experts in making it work for us.
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