Managing Debt

I would love to win a contest that was giving away a lot of money so I can pay off all my debt. My mortgage, car loan and credit card bills just never seem to go away. Well, my chances are slim for winning any money so I have to take hold of my own life and get out of debt on my own. Bankruptcy is not the right answer! Working things out is. I have had some financial situations in the past few years causing me to get in debt. The good thing is that I always make my payments on time and keep the credit cards out of my purse so the balances only get lower. They are definitely going down--slow but sure. If I don't have enough money to purchase something, that means I can't afford it and I don't purchase it. I used to not be like that. If I wanted something, I took out the old plastic. Plus, I was late with payments from time to time. I'm so glad that I finally came to my senses and only purchase what I can afford--with money--not plastic and pay my bills on time. At times, some of us need help in managing our debt. If you feel you can't do as I am and you need help managing your debt, you may need an IVA. Don't give up--there is a way out!!!