We have all been faced with unexpected and short term expenses at different times in our lives Most of us resort to using credit cards or other forms of credit unless we have savings that we can access

The link between debt and self esteem is largely ignored but it is, nevertheless, very real It is hard to maintain positive self esteem if you feel like a failure because you are struggling just to make ends meet or you are living just to pay debt

Do you have a checkered credit history Is your bad credit affecting your life and financial opportunities

It's easy to put off dealing with debt It places so much stress on you personally and on your family