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You know its funny, I read a lot of these and they are like hey stop buying $5 coffee. Hey put 1/2 your paycheck into savings. I laugh first of all If I could put half my paycheck into savings I think I am already doing pretty good, but mama needs food this month. If I am buying $5 coffee it is most likely the only extra I am getting this week, leave my coffee alone. There are a ton of financial resources out there for people you just have to find the ones that are really there to help you and not make your life harder. learn more here
When it comes to financial stability we all know the little things we should do to try and save a little, Don’t eat out a lot, stop going shopping, etc, etc. But what happens to us that are already doing these things and we are still living pay check to pay check. A lot of us are working and trying but it is just not enough these days. I of course would love to have a stash of money for emergency so if my car breaks down I could just pay for it. This is not always the case sometimes we have to pull out the credit card and pay to have it fixed.
Now we are in even more debt racking up late payments or interest, because if we could have paid it all of in the beginning then we would have never used the credit card in the first place. That is where getting the right financial resources come in. They can help you consolidate debt , get your interest payments down and so much more. These are people who are there to help you not put you in more debt.
One of the biggest things for me was combining my debt. When you are paying interest to a bunch of different people, juts the interest can add up quickly. Then you are just paying the interest and the principal never gets paid down. You will owe this money forever,. If you can get it all combines then you can use the extra you are saving to pay down the principal and finally crawl out of the hole you are stuck in. Once you are our of the hole it will be a lot easier to stay out of it and hopefully be one of the people who does have a little saved for when stuff comes up.
When you are ready to get started on a new financially more stable life, The first steps in doing any of this is calling the people who know how to do it and do it right. They can help get you started right away and hopefully you will be saving and getting a little more stable every month.