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LOCATING A GOOD FINANCIAL COUNSELOR Many families don't understand the difference between good debt and bad debt and never take the actual cost of financing into consideration when buying new cars, boats, motorcycles, etc.. The total amount of debt and cost of interest is not taken into account, only the payments that have to be made are. Most people feel that as long as the payments can be met every month, they are in good shape. Overspending is big problem! Individuals that proceed in this manner by recurrently borrowing money will eventually find themselves in a financial rut that they will have a very hard time getting out of. If you feel that you are headed in this direction, or are already having money issues, you may want to think about obtaining some debt advice from a professional financial counselor. They will be able to offer you input on what you can do to regain control of your finances. **Do you know what the early sign of debt trouble are? If you have excessive debt and are having difficulties getting out of it, coming to the realization that your current financial plan is not working is the first step towards making a positive change. This is nothing to be embarrassed about or to feel dejected about. However, you do need to make an initiative to begin living life differently. A quality financial counselor has the ability to independently analyze your present state of affairs, assist you in developing a practical budget, pinpoint your areas that are problematic, and create a strategy for getting you out of debt. They will also help you deal with creditors as well as offer assistance in dealing with collection agencies. Meeting with a financial counselor for getting debt relief is certainly a smart thing to do. However, it is important that you locate a counselor that actually knows what they are doing. Unfortunately, they are dishonest organizations that will try to sell you products and/or services that you absolutely do not need just so that they can get a commission. During your searching for a financial counselor, only agree to see ones that are offering a fee-only service. This means that the only fee that they charge is for meeting with you. They will not try and sell your any type of financial products that you will not need. Credit counselors also offer input for eliminating debt via debt consolidation. The National Foundation for Credit Counseling is an excellent resource for locating good credit counselors. They will help you find a quality counselor in you area that will most definitely be able to aid you in putting together a formula for getting out of debt, and staying out of debt! They will teach you how to manage your finances in a way that works for you! It is very likely that you can meet with one of counselor free of charge since most of these agencies are non-profit! The only way to regain control of your finances by getting out of debt is if you help yourself. Its never too late, or early, to take the steps need to get rid of your debt and start saving money!
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