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Money Management Tips - The first step in repaying debt is not to make payments. The first step is to change your mindset and behavior.

Acknowledge your debt: Unless you first realize you are in debt, you can't properly motivate yourself to take action. Sort of like admitting you have a gambling or drinking problem.

Calculate how bad your debt is: This is probably the most unpleasant step, since we'd rather ignore debt completely.

Stop charging more debt: You'll make it more difficult; or impossible, to payoff debt if you keep piling on more. It may be difficult; or even unwise, to stop using credit altogether, especially if doing so will prevent a late payment. If you must continue to use credit, do so only to prevent late payments until you can get your income-payment schedule synchronized.

Create a budget - and stick to it: With a personal budget, you can avoid late payments, as well as having to use credit to cover shortages between paychecks. Also you will be able to plan retirement and save money to improve your financial security over the long term and to stop living payday-to-payday. You can establish percentages of your income for entertainment and vacationing as well as for bill payments. Once you have your budget on paper, you'll need to stick to it. This may be the second hardest part of your debt recover plan.

We provide several personal budget and financial calculators to assist you. You can track expenses to see where money is most wasted. We also have a credit card interest calculator so you can see how much interest you'll end up paying overtime.