| First, avoid credit counsellors, stay away from | | | | The telephone, at first this might seem strange, |
| credit counselling agencies, some of which are | | | | but the telephone made a huge difference to my |
| being investigated for fraud or have ties to | | | | financial state and it enabled me to get fast cash. |
| credit-card companies. | | | | I used it to call almost every single creditor I had |
| When financial disaster strikes, lives are shattered, | | | | and also every company with whom I had a |
| jobs disrupted, and properties destroyed, | | | | monthly bill and I asked all of them to reduce my |
| marriages breakdown and on top of all that | | | | rates or remove optional services. Your monthly |
| you've got an income problem and need a money | | | | expenses eat you alive and trimming those |
| fix. If you have experienced disaster, you know | | | | expenses is really the best way to give yourself |
| first hand the emotional toll that it takes shock, | | | | some breathing room to really tackle debt. |
| confusion, grief, and fear that disaster could strike | | | | I needed ways to get money and the best part is |
| again. | | | | that many of those expenses can be trimmed |
| Emotional recovery can take months, even years. | | | | with an hours' worth of phone calls. When I sat |
| This article may not answer all your questions but | | | | down and did this shortly after realizing how bad |
| it will answer some of them and, we hope, help | | | | our situation was, I trimmed more than $100 |
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| now, is required when your income drops. A | | | | out all of your bills, grab the phone and get on |
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| financially. | | | | Network marketing came into its own with the |
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| have never been able to do this without a handful | | | | video game consoles, mountains of games, |
| of elements in my life, things that made such a | | | | several boxes of DVDs & VHS tapes that I'd |
| transition possible such as the ability to pay off | | | | never watch again, a load of barely worn clothes, |
| my mortgage early. | | | | pictures that haven't hung on the walls for years |
| My wife and I committed to make some major | | | | and a mountain of kid's toys and three bicycles. I |
| changes in our life over the last few years and | | | | sold most of this stuff at second hand markets |
| without that mutual support, we wouldn't have | | | | and boot sales and discovered, not only how to |
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| often hit me with the fees all at once and often, | | | | and earn cash now. |
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| take me. | | | | rate indeed, get some. |