It seems that nowadays in this world of ours we are solely leaning on credit. Credit has taken over so many people’s lives, and destroyed families. We learned young, and I’m so thankful that we did.

When I turned 18 my mailbox was flooded with approved credit card applications. I applied for probably every single one of them, and got approved and then went shopping. Unfortunately, Gino also lost his job, so then we lived off of our credit cards. We were a mess! Luckily, we were able to do a Debt consolidation and get our lives back on track.

Since our Debt relief we have found a new way to live, which requires much planning together and sacrifices. Our new motto is if we don’t have the cash to buy it, then we can’t have it. We actually have made a dream list and work towards the things that we want. We make sure that we budget our bills, our eating out, our groceries, our fun, basically anything we make sure that it’s budgeted before we do it, or buy it.

There is a wonderful website that will help you with financial advice and help if you are in need of Debt help. BillIQ is a great website, and it’s free. Can’t beat that, right? We all love free, especially if we’re in a sticky financial situation. If you’re over your head they can help you to Consolidate debt , and from personal experience, it’s a great way to go.