Debt Consolidation Vancouver

Part of my problem when I was struggling with my debt issues was the denial of my growing debt. The bills would come and I would immediately stash them in a drawer in my room. The numbers depressed me and I knew I could never pay them.

The same applied to my bank statements. I never wanted to know how far I was into my overdraft or the amount I had spent on my Visa that month. I just wanted to pay the minimum and move on with life.

This, dear friends, is no way to live.

You need to be conscious of your spending if you ever plan to manage your life in a progressive manner. One way I found to manage my resources efficiently was to signup for online banking. It literally only takes a few minutes and you can do all your account transfers and budgeting online.

Opening monthly bank statements can be traumatic. Opening your account online is easy and painless. You will also be able to track your balance as you move through the week. It is an excellent resource for financial management.

No Internet access? Use the computers at your local public library.* You can check your Facebook, watch YouTube and manage your money all in one stop. Try it. It helped me. And most of my friends said I was beyond help.

*When working on computers at the library and at Internet cafés, always remember to clear your cache and reset your browser. You do not want your banking information getting into the wrong hands.

Just Remember To Check Over Your Shoulder

Mark’s always been the responsible one. And when we first met, he seemed to have it all together – spacious apartment, nice (aka functioning) car, and a stable job that was going somewhere. Once I got to know him, it became very apparent to both of us how different we were when it came to money management. Where Mark was diligent about paying his bills, I was getting late fees and overdrafts. Where Mark only had only one credit card, I had five. Needless to say, he was pretty much free of debt while I was swimming in it. The poor guy, he always had to foot the bill whenever we did something nice, or for that matter, whenever dined at an establishment posher than Pita Pit.

But when Mark lost his job, everything else seemed to unravel along with his career, including his good habits. Instead of opening his bills as soon as he got them, Mark would let them pile up on the desk. So much so that his tower of bills started to compete with my own. Pretty soon, he was swimming right along with me in our ocean of debt.

Our saving grace came when my sister suggested we call Full Circle Debt Solutions. I was skeptical, but at her insistence we gave them a call. I got connected right away to one of their credited debt management consultants who outlined a debt consolidation plan specifically for our situation. Miraculously, he minimized our payments to one so we wouldn’t have to worry about paying so many creditors at the end of the month. I guess it just goes to show that even the best of us can get into money trouble, and only the best can get us out.