Repairing Your Credit Without a Divorce First!
Contributed by Jen M
Don't let repairing your credit ruin your marriage!
Repairing your credit is something many people face in our society today. In this article we will examine how to repair your credit without getting a divorce!
In this day and age it is very easy to slip into the keeping up with the Joneses syndrome. You've seen the commercial, the guy riding his lawn mower in his beautiful home, gorgeous yard, textbook wife and children and as he puts it "in debt up to my eyeballs"! If this is you, you CAN repair your credit AND keep your marriage and family happy and healthy during it.
First rule in repairing your credit!
The first thing you must do is sit down and plan your attack TOGETHER. Get out your bills and your income and list bills on one side and income on the other. Now put your list of bills in order of priority. An example of this: mortgage, utilities, food, debt, clothing, entertainment etc. Then put your expenses in PRIORITY remembering that when you were young entertainment might have been first, but now it's probably your mortgage.
Now once you have a good idea of EXACTLY where you are, that's half the battle! Do you know that a lot people honestly have NO CLUE about their true financial picture? In order to repair your credit you have to know where you stand in credit debt and then STOP USING IT. In America we are seduced very early to get out that credit card whenever we feel the "pressure" to buy something.
Part of this FIRST RULE is to STOP the madness, get rid of them all except ONE for emergencies. Take that ONE for emergencies and get a paper cup it will fit in, fill it with water and put it in the freezer. Now, if you REALLY need it, it's worth the wait for it to defrost.
