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Contributed by mm | September 5, 2006 2:26 AM PST
If you have two or more of these warning signs in your life, map out a financial plan before you get dragged deeper in the debt.
From Yahoo!:
• You routinely spend more than you earn.
• You make only the minimum payment required on your credit cards.
• Your credit limit is maxed on most of your cards.
• You're unsure about how much you owe or what may be on your credit report.
• You skip payments on some bills in order to pay others, or use cash advances on one credit card to pay off another.
• You use credit cards for day-to-day purchases like groceries, movie tickets or fast food.
• You find yourself arguing with your spouse about money. Or, you’re are afraid to talk to your spouse about money at all.
• You've recently been turned down for credit or a loan.
• You panic when faced with an unexpected expense, such as a car repair.
• You owe more on your car than it’s worth.
• Creditors are calling you about overdue bills.
• You're thinking about filing for bankruptcy.
Enjoy the latest personal finance news and commentary at PFBlog Network.
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Debt Consolidation May Hurt Your Credit Score (September 9, 2006)
At least for the short term, debt consolidation will likely put more damage to your credit score if the debt consolidation plan involves a credit card, home equity loan or home equity line of credit.
10 Debt Consolidation Myths #10: Bankruptcy Is No Big Deal (September 5, 2006)
Bankrate has an excellent review of common misconceptions of debt management. Here is the next installment: 10. Bankruptcy Is No Big Deal..
Being buried in debt does not mean bankruptcy is the quick and easy path to follow. Bankruptcy can be really painful.
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