I need to downsize my whole life anyone know a good way to start?
Answers:
There are quite a few books and websites, titles and keywords including "simplify your life" and "downsize your life". Look around a little, you'll find them pretty fast.
Good luck!
First you need to set a certain amount that your going to spend its called" budgeting" and put your money for your bills in the bank or somewhere you know your not goiing to touch it got it
It is my understanding that most credit repair and debt management agencies are a scam. Talking to your creditors is something you can do yourself.
Perhaps you can enlist the assistance of an accountant. Hand over your credit cards, your check book and your incoming money, be honest about your debts and have this person put you on an allowance until you begin to learn what you can and cannot spend.
Those places will scam you.
1. Rip up your cards.
2. Move into a smaller place if you can.
3. Don't drive around as much.
4. Don't eat out as much.
5. Don't go "window shopping".
6. Concentrate on knocking out one bill @ a time, then use that $ and knock out the next one.
Contact Consumer Credit Counseling Services, they are free and will work with your creditors to lower both your monthly payment and your interest rate. I used them several years ago and was debt free in 36-months.
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