June 19, 2017 by Administrator

When I was broke and heavily dependent upon credit cards, I didn’t realize I had a problem. I didn’t have to focus on the avalanche of debt that was about to bury me until warning rumblings — like the IRS knocking at my door – shook me out of my delusion. By the time I recognized my problem, there was no easy solution — but admitting that I had a problem and focusing on fixing it was the first step. I had to get started.