Set up a household budget by recording all expenditures for a month or two, organizing expenses in different categories and deciding which expenses are necessary and which can be cut out. Be honest and record every single expense when setting up a budget with instructions from a financial service specialist in this free video on budgets. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz
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Question by animalover: Can a credit counseling service help me with credit card debt or hurt me?
We have 3 credit cards, all maxed to and over the limit. I am consulting a credit counseling service but my husband doesn?t want it to ruin our credit. I personally think it will get us out of debt A LOT quicker and we?re not filing bankruptcy. It may give us a blemish on our credit. But I think it?s worth it.
Best answer:
Answer by Mr. Curious
Be careful with so-called credit repair businesses. Many are a rip-off and charge you to virtually nothing. You can do better contacting the credit card company yourself and work out payment terms.
Know better? Leave your own answer in the comments!
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