Financial Quicksand

Being in debt can be overwhelming. When you are already struggling to keep your head above water and pay off credit cards or debts, unexpected expenses or emergencies can leave you wondering where to begin. Our household has been trying to gain some financial ground and get out of debt for some time. Just when we get going good, it seems as if that is when something unexpected happens or we "fall off the wagon" and have to start all over. Lately, I have been listening to Dave Ramsey a lot and reading a financial forum for motivation financial information and ideas. If you find yourself struggling and juggling, keep in mind these basics with which to start climbing out of the hole. Don't spend your paycheck before you get it. Start with the absolute necessary bills first - food, utilities, rent or mortgage. Write down on paper starting with just the one paycheck and those priorities. One thing at a time.