There are so many people out there complaining about their money situations, yet doing nothing about them. Many of them are waiting for that boat to come in and save them. However, that boat never really comes.

You have to get out there and get your feet wet in order to fix what isn't working.

How do you know you have money problems?

Have you ever said any of the following statements to yourself or others?

• I charged it because we don't have the money right now.
• I'll pay it off later.
• When X happens, we'll start paying off our debt.
• If I juggle a few things, we'll be okay for now.
• If I wait until the last minute to mail the bills, we might not overdraw our checking.
• I don't know how much we owe.
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  There are so many people out there complaining about their money situations, yet doing nothing about them. Many of them are waiting for that boat to come in and save them. However, that boat never really comes.

  You have to get out there and get your feet wet in order to fix what isn't working.

  How do you know you have money problems?

  Have you ever said any of the following statements to yourself or others?

  • I charged it because we don't have the money right now.
  • I'll pay it off later.
  • When X happens, we'll start paying off our debt.
  • If I juggle a few things, we'll be okay for now.
  • If I wait until the last minute to mail the bills, we might not overdraw our checking.
  • I don't know how much we owe.
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    er, that boat never really comes.

    You have to get out there and get your feet wet in order to fix what isn't working.

    How do you know you have money problems?

    Have you ever said any of the following statements to yourself or others?

    • I charged it because we don't have the money right now.
    • I'll pay it off later.
    • When X happens, we'll start paying off our debt.
    • If I juggle a few things, we'll be okay for now.
    • If I wait until the last minute to mail the bills, we might not overdraw our checking.
    • I don't know how much we owe.
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      f the following statements to yourself or others?
      • I charged it because we don't have the money right now.
      • I'll pay it off later.
      • When X happens, we'll start paying off our debt.
      • If I juggle a few things, we'll be okay for now.
      • If I wait until the last minute to mail the bills, we might not overdraw our checking.
      • I don't know how much we owe.
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        ur debt.
      • If I juggle a few things, we'll be okay for now.
      • If I wait until the last minute to mail the bills, we might not overdraw our checking.
      • I don't know how much we owe.
      • I don't know how much we have in our checking right now.
      • I don't know what the interest rates are on our debt.
      • I don't know my net worth.
      • You can't turn down a deal like that.
      • It's zero percent interest for a year, so it doesn't cost us anything to charge it.
      And there are several additional statements that indicate you could be heading for a crash and burn financially.

      I realize that everyone says it. But they say it because it is the essense of managing your money and saving for your future -- you have to pay off your debt.

      Sit down and write down every debt you owe. Be honest. Include every debt right down to the penny. Write the total amount, monthly payments and interest rate. Try to list these in order from highest intere