If there is one thing common with a lot of Americans it is drowning in debt. Do you know that an average American has 2-3 credit cards? Most of them are either in owning so many arrears already or near to going in debt.
This is because most people have a spending problem, and this is worsened by credit cards because it gives them capacity to purchase the item they fancy even if they do not have the money.
Why dont you try a few things before you declare bankruptcy? Here are a few ideas that you might want to consider.
Try debt consolidation
Have you ever heard of putting all your debts in one? Lenders call that debt consolidation. You give them all your outstanding balance and let them pay for it. After that you will be paying them for a few years (10-15 years). Its a good way of fixing your debt because it lessens the interest rates that you have to pay. It will also lessen stress because you will only be focusing on one statement of account.
Save
Every single coin in your pocket is important in saving. Every time you change your clothes empty your pockets for coins and some change. Put it in a single container and watch how much you...
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