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So, in addition to considering the entities that herein offer some financial alternatives for , here are some ideas as to putting your financial house in order. Don't have credit card debt. Pay if off as your first priority. The outrageous interest rates and penalties can have you paying for years to come and maybe decades. Consider it the creditor of last resort. Identify what is essential for you and your family from what is fluff. First priority is to meet your essential needs without going into debt. Then with the extra cash, you can indulge in the fun stuff but never on borrowed funds. Savings is as essential as 'bread and butter'. Regular payments into a savings account will help your long-term security. The two part plan of (a) disciplined spending and savings; and (b) lowered interest rates for current debt could result in your not being further burdened by loans.
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