Honestly, there are a lot of methods for trying to dig yourself out of financial problems, and what may work for one may not necessarily be the best one for you.
Millions of Americans are in debt over their head. From rock stars to window cleaners, so don't worry, you're not alone. Being in deep debt doesn't mean you're a bad person, but it can make you feel like one.
How do people end up owing more money than they make? In most cases it's a symptom called "Debt Denial". When you're in Debt Denial you owe so much money that you have no idea how you'll pay it back. You figure if I just ignore the situation and send out my minimum payment every month it'll eventually disappear. Nothing can be further from the truth.
People who ignore a bad financial situation do so because it's painful to look at the truth.
This is a community to support each other and discuss methods, articles, and what we are doing to get out of debt.
Be supportive. Most people feel like they are drowning and living paycheck to pay check.