Take the First Step Toward Financial Relief Today
Comprehensive debt relief information and resources are designed to help you regain control of your finances and work towards a debt-free future. They guide you through available options to find the best path forward for your situation.
Where do I start? Creating a budget is the first step.
A budget is a roadmap to plan your finances and keep track of where your money is going. Whether you're making ends meet or adjusting your saving goals, budgeting helps you understand and control your spending patterns.
Steps to Create Your Budget:
- Gather all your bills (utilities, insurance, etc.) and pay stubs
- Collect receipts for typical expenses:
- Groceries
- Entertainment
- Transportation
- Clothing
- Daily expenses
- Add up all of your paychecks and any other income.
- List all your expenses, including fixed and variable costs
- Calculate the difference between your income and expenses
Your Key Financial Goals should be:
- Stop accumulating new debt
- Start paying down existing debt
- Build emergency savings
- Create sustainable spending habits
Important Tip:
If you're falling behind on bills, contact your creditors immediately - before debt collectors get involved. Many creditors are willing to work out modified payment plans that better fit your current situation.