Making ends meet

One thing all families can probably universally agree with is that it's important to keep a budget and make sure that everyone's needs are taken care of. I'm not sure what your situation is, but if you're like many Americans, you've had your ups and downs, right? I know we have.  I'm a spreadsheet fanatic, so I really like to document where our money goes every month and where it comes from. I can't stand it when a creditor calls and wants you to run down all your expenses with them so they can "prove" to you that you really CAN make a payment agreement. It doesn't take rocket science to know that it's difficult to raise a family on a small budget, right? For many people, the key to financial well-being is to Stop Collection Calls because all that stress makes life way more difficult. Whether the solution lies in a consolidation loan, lower interest rates or even just paying off everyone a teeny bit at a time, it's just nice to know that there IS a solution and you don't have to put up with all the nastiness and stress that these guys like to put out there.