==== ==== Providing the blueprint for raising children, even in the toughest times and circumstances http://www.danijohnson.com/go/75446852p63 ==== ====
The thing that people I know who are in debt moan about the most is that they feel that they are stuck with a life sentence. Some of them have so many bills and debts that it will take them anywhere between ten and fifteen years to pay off. This is not including their mortgage. This can be incredibly tough to accept mentally. What crime have they committed that means they have to spend the next ten years in a debtor's prison? They wanted a better life for themselves where is the crime in that? Now they are faced with the situation where they are forced to work just to survive and to pay the bank off. They are in effect working for the bank. Some of the more harsh readers among you might say that they get what they deserve. They lived the highlife and now they are paying the price. This is not necessarily the case. In many cases people got into debt as a result of a relationship breakdown or health problems. Fair enough a lot of people did 'Live the highlife' but there is no point in throwing stones. We're here to offer help with debts and support with eliminating debts. There is no point in beating around the bush. If you are in debt then you are faced with a long hard struggle to get out of it. Make no mistake - its not going to be easy. You might get lucky and come into some money via a lottery win but the chances are remote. You have to mentally prepare yourself for the long hard struggle ahead. I know what some of you are thinking right now - "To hell with this struggling with debt for the next ten years, I'm just going to declare myself bankrupt and be done with it". Unless things are absolutely beyond redemption then I do not think that you declaring yourself bankrupt is a good idea. Declaring yourself bankrupt is a black mark that will hang around your credit record for life. Declaring yourself bankrupt is not the easy option you might think it is. In the long run it may prove even more painful than struggling with your debts. The daily grind It's the daily debt grind that gets most people in the end and causes them to struggle most. The little routines that you have built up over the years are now the very routines that you have to fight against. The nice gourmet coffee, the daily newspapers, the nice expensive sandwiches for lunch. When times are tough and morale is low it is these nice enjoyable expensive habits that you are most likely to slip back into. When you are in the trenches fighting your own personal war against debt it can seem like the loneliest place in the world. The struggle with debt is something that is intensely personal. No one can go through it for you but it is something that you must go through. Don't make it hard on yourself; reach out to people in similar situations. Join chat forums on the internet; join debtors
anonymous, talk to your friends and family. Make sure that while you are taking this debt journey yourself that you are getting help with debts and have people you can rely on for emotional support and back up when times get tough. Believe me times will get tough.
Struggling with your debts? John Ryan is a personal finance blogger who writes articles that can provide ideas to help with debts over on his blog http://www.untildebtdouspart.com/help-withdebts/
Article Source: http://EzineArticles.com/?expert=John_Dean_Ryan
==== ==== Providing the blueprint for raising children, even in the toughest times and circumstances http://www.danijohnson.com/go/75446852p63 ==== ====