Have you ever been so far in the hole that you didn’t want to answer your phone? You had no answers for the voice on the other end of the phone… no there’s no money for a payment right now, no I don’t know when I will have the money and no it doesn’t matter if you report this.

This is not everyone’s story but there are a lot of people who can relate. If this is your story, start making a change today.

1. Who do you owe and how much?

2. Where is your money going?

3. How can you cut your spending or make more money?

4. Start paying down your debt AND saving money!

Do you need help creating a financial plan?