Several years ago I was mired in debt, in between jobs, and just at my wits end. The unemployment checks that were coming in just couldn’t cover my needs. Creditors were calling asking for there money. I was worried about eating and having enough gas to the next Job interview. I had zero savings, my credit cards were maxed. To say this was a low point is an understatement. I looked at my bills and just shrugged. There was nothing that could be done.

Actually there was. Instead of missing payments and waiting until I got a new job to catch up, I could have called the companies I owed money to. If you ever find yourself in a situation where you are going to miss a bill, or even worse, like me not able to pay for a couple of months don’t hide. But don’t wait on the dreditors to call you. Call them. Swallow your pride and call and explain what has happened. Many times, they will work with you. They don’t want to turn your account over to a collection agency. This will come at some loss to them. It in’t in their best interests. And, if they won’t work with you, you’ve lost nothing. It never hurts to ask for some help. Plus, it tackling the problem head on, you are demonstrating responsibility. That is something to take pride in.

Just remember, if you are going to be late, you will usually know it. Call them first.

-rebel