Does this sound familiar to you: you end up spending more than you earn each month and don’t know how to figure out where all the money is going. You avoid looking at your bills because you know you can’t pay them. All your debts carry exorbitantly high interest rates. You’re so stressed out you don’t want to go to the bank, answer the phone, open the post and are losing sleep because of your finances.
If you have credit or store cards with outstanding balances, a car finance agreement, ...