Back in the day we were probably very excited about our firsts: credit card, apartment, car.
We were grown up and able to carefully manage our money.
In a period of time, we began to make more money, got more credit cards, maybe a house with a mortgage.
We might have started to believe that we were doing really well, increasing use of inappropriate money handling.
Credit repair is a looming need.
Someday we wake up and have the "aha" moment that lets us know that we are in some serious difficulties.
Our clue may be the sense that something is financially wrong.
The clue could also be a close look at our credit balances.
It is also possible that a financial crisis is the tipping point for us to realize something has to change.
You need credit repair.
We need to examine our financial habits to find out where we are not being financially savvy and develop our plan for fixing the situation.
The first thing you want to learn is if you are actually spending more than you make.
Many of us are living "above our means" in varying degrees.
This might not sound plausible, but it happens.
We use credit, borrow savings, loans.
You can go on doing this for awhile, but you will end up in a financial "black hole.
" Now what? People will do other things like using credit, loan money to pay bills like utilities and to make other purchases.
These are not good money management techniques and will dig the hole deeper.
Cash should also be used for our everyday expenses including food, clothes, gas.
We shouldn't be using credit.
Consider that a lot of these things will be used and gone before we even receive the bill.
If we don't pay our credit card bills in full, this is not a good practice.
You need credit repair.
Surprisingly, many people will use credit when they have the available cash.
Some of us must need to know we have cash on us.
If we're not careful, we can easily become careless with our payment patterns.
Then we feel surprised that our credit cards are "maxed.
" Soon we can fall into the habit of paying some bills and not others.
Financially we are in crisis.
Credit repair is needed.
Some people will use one card to pay for another, transfer balances, over extend themselves with loans.
These attempts are not the solution.
They increase the problem.
You need credit repair.
Do you recognize yourself and your habits? If so, you need to examine your debt and spending habits and develop your plan to reverse the mess.
Credit repair is needed.