I’m sure if you’ve played monopoly, one great card to have is the “Get out of Jail” card. If only in real life, there was a “Get out of Debt” card! But for most people, just getting one card isn’t good enough, especially if they were saddled with many small-valued debts. In fact, most people aren’t aware that they can actually consolidate their debts into one portfolio and manage their debts in a better way.
If you are already in the deep, and need help, I believe there are bankruptcy forums that you can join and find from other people how they manage their checks and balances. There are also Destroy Debt Blogs which one can visit. Of course, the best way to reduce your overall debt is to curb all unnecessary spending. For example, leave your credit/debit card and just use cash. That way, you’ll have a limited amount to spend and will never overspend. That actually forces people to re-think about how they want to stretch their dollar.
So… help is always there..but you need to start with yourself first.
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