Getting help with your debt is a big step. It's a scary situation, because there is a lot of bad information out there, and bad people that will cause you even greater financial harm. This is no excuse for you or your family to continue suffering.
If you've been battling the stress and depression caused by debt, then you know what a living hell it can be. It's time to stop letting the fear of shame hold you back from solving your debt problems.
Here are 12.5 warning signs that debt is ruining your life...
#1) If you've been yelling at or fighting with your loved ones because of money problems.
#2) If you're living paycheck to paycheck, with no emergency savings fund.
#3) If you're considering using cash advance checks ("convenience checks") or taking out a payday loan just to meet basic expenses or pay credit card bills.
#4) If you can barely afford to pay the minimum payments on your credit card bills.
#5) If you've taken cash advances on one credit card just to pay the minimum payment on another credit card.
#6) If you've lost sleep over not being able to pay your bills.
#7) If debt, credit or financial stress is affecting your health.
#8) If you haven't been able to enjoy daily activities with friends or family because your mind is worried about money, bills and your looming debt.
#9) If you find yourself hiding bills or financial secrets from your spouse.
#10) If you're looking at credit card offers in the mail, hoping or praying you'll qualify for just a small amount in order to "get by."
#11) If you have no more available credit on your credit cards.
#12) If you've been afraid to pick up the phone or check your mail for fear of debt collectors or collection letters.
#12.5) If you park your car different places each day to avoid repossession.
IF... any of these warning signs are showing up in your life, THEN...
It's time to "DO" something about it!
Albert Einstein once said that the definition of insanity is doing the same thing over and over while expecting different results. He was a pretty smart guy. He also said the most powerful force in the universe is "compound interest." This is the force that's been working against you.
It's time to do something different.
Debt relief is available for you, and you can experience it very quickly if you make getting out of debt a priority and take action.
These are the keys: decision and action.
Decide to make getting out of debt a priority, and take action to solve the problem. Repeat these two simple steps over and over until you feel real relief from your debt stress and are on track to be debt free.
Debt freedom is possible, and it can probably happen for you sooner than you think.
There is no magic bullet, and no "easy way out," but one thing is for sure: it's easier to face the music now and solve your debt problems than it will be to live with them for the rest of your life. And it won't get any easier if you wait!
So, in the spirit of St. Nike, "Just do it!"