Set a Goal. Make a List of Income and Expenses.
There is one thing of which I am certain: anticipation is worse than reality. During my career, I've helped many people sort out their finances and figure out acceptable payment options. Nearly every person I've spoken with told me the process wasn't nearly as bad as they thought it would be. Our bodies are predisposed for fight or flight. It's a natural reaction to stress. When it comes to finances, it's easy to throw away the bills without looking at them and ignore the bill collectors when they call. By the time people called me, they were on the verge of tears. Don't bury your head in the sand. You're only delaying the inevitable. Make a plan. Execute the plan. You'll feel better. Trust me. We will start with baby steps. You can do this. Set a goal for yourself. Do you want to pay off your student loans? Go on vacation? Maybe you just want to get out of debt. Whatever it is, be realistic. Not that world peace isn't admirable. It is. ...