It’s a common resolution: destroy debt. But it’s tough to embark on a debt-destroying mission when your debt is already destroying you. If you need help, make this the year you get it: Call a credit counselor. Here’s how to find the right one.
If you’ve made a New Year’s resolution to get into better financial shape this year, you’re not alone. In fact, spending less and saving more are among the top resolutions, ranking even higher than spending more time with loved ones, according to the University of Scranton’s Journal of Clinical Psychology.
But sometimes it’s not enough to simply resolve to build a better budget or pay off high credit card balances. Sometimes things are so far gone they require outside help.
If you’re overweight and don’t understand how to properly exercise, you might enlist the services of a personal trainer. If you’re overburdened by debt, you should turn to a nonprofit credit counselor for help.