We might be broke but we shouldn’t be broken!
What is best for you and your money? Is it a self-imposed debt repayment challenge or would, perhaps, employing the services of a debt consolidation expert help you more?
… In my opinion, the best place to start with clearing debts is to understand how you got into debt in the first place and take a long, painful look at exactly how much debt you have accrued. This is where many fail to get out the starting gate, as the full realisation is one filled with such horror that the 'head in the sand' approach seems the easiest option. Easy it may be, but pain free it is not. For every day debt it is ignored, that debt can grow. Much better to stop it now and send it marching back to wherever it came from in the first place. Better late than never, as they say…
… Only by seeing, understanding and accepting your own financial state of affairs can you take charge of the situation and begin bringing it all under control.