Debt advice, debt help, mortgage arrears, cheap loans

Debt advice * debt help * mortgage arrears * cheap loans * money problems * find the advice you need to stop home repossession * get out of debt and money saving ideas

Start of article about debt problems.

Then I read this. When people get into difficulties, the turning point is usually when they face up to the problem.

Hang on, I thought: that moment could be NOW, half-way through Saturday. Even worse, it could be a sudden waking up at two in the morning, fraught with perspiration, fear and anxiety. What does a person do?

I went at once to my local library (which as it happens is also open on Sundays). Here I did two things: I carried out a quick Google search and while online I accessed the Suffolk Libraries general catalogue. It took me less than half an hour to find the bulk of the information I wanted, although rather longer to read it.

Essentially I found out the following, which I'm going to outline before I go into greater detail. There were things I could actually and definitely DO and there were things I could begin to PLAN even if I couldn't immediately take steps to achieve them.

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THINGS I CAN AND SHOULD BE DOING NOW TO GET OUT OF DEBT

I can and should actually be making a start on tackling my debts NOW.
I should start NOW to draw up LISTS - a list of everything I OWE, a list of everything I EARN and a list of everything I SPEND. That really does mean, in each case, EVERYTHING.
I should at least be making a start on PRIORITISING my list of debts, although I may need help and information to understand exactly how.
Although I might need help with the details, I should be thinking about how my lists could form the basis of my PERSONAL FINANCIAL STATEMENT.
I should be thinking about whether or not I'll look for FREE, PROFESSIONAL DEBT AND MONEY ADVICE, and maybe even make a start on finding it.
I should make plans for MAXIMISING MY INCOME, and maybe even make a start.
I should make plans for CUTTING MY SPENDING, and again maybe even make a start.

Debt problem