Christmas Sneaking Up On You Again?

Is Christmas sneaking up on you every year? Somehow it always manages to do that when you are mired down in debt. It jumps out at you around December 1 and you feel so guilty about not spending the time shopping for meaningful gifts that you pull out your credit cards and spend too much on gifts that will (probably) be forgotten long before the next Christmas rolls around.

It may be too late to get your budget arranged and start putting aside money for this Christmas but it’s not too early to get things in line for next year. Why not begin 2009 on a positive note financially?

If you just don’t know where to begin why not visit Debtguru.com a free non profit debt consolidation company. They are a Utah based non profit organization, bonded and insured (make sure they are licensed in your state before you begin, please) .

I strongly suggest beginning with their “self help” articles. See what you could be doing differently and what you can cut from your expenses. You’d be surprised what you can live without (cable TV, extra phone lines, expensive meals out, movies at the theater…)

You didn’t get in to debt overnight and it will take 2-3 times as long to get out of debt. But it can be done. You just have to take the first step.