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Are you making late repayments? Is more money going out than is coming in? Are you being hounded by credit calls? If you have answered “yes” to any of those questions, then take the next step in debt help which is filling out a spending log. More info

Most credit counsellors who have your best interests in mind will have you complete this enlightening exercise. You can find many easy-to-use templates on-line: Debt Counselling Corp. of the U.S. has a simple version on their website. With any spending log, it is suggested that you spend the better part of a week writing down all money that is spent, including where and how much. Less