When bills pile up and your spending is out of control, it's time to take action to get your financial affairs back on track. People sometimes experience financial crises due to job loss, a serious illness, divorce, or death of a spouse. Others simply fail to take control of their income and spending behavior. Either way, the problem seldom fixes itself. But with careful planning, you can manage a difficult financial situation.

Are you constantly juggling your money to pay the bills?
Paying off credit obligations takes a commitment of time to learn new skills and a willingness to do some things differently.

Take Control of Your Money gives you a step-by-step process that teaches you what you need to do to get out of debt.  (knowledge and skills)

You will have to commit the time and be willing to do some things differently. (time and sacrifice)

Take Control of Your Money also offers you the service of a free learning coach to answer your questions and provide encouragement. (support)

Read how other people have overcome their debt.

Too Much Debt?

How do you know if you have too much debt? Your answers to the following questions will give you a clue.

Solutions?

You can use a variety of resources, many of them are commercial and will cost you money. To get an overview of this topic, read the publication "Knee-Deep in Debt" (pdf) from the Federal Trade Commission.

You can use this self-study course to learn the skills you will need to not only get out of debt, but to become more financially secure. Even if you go to a finance counselor, they will have you do the same things that you will do in this self-study.

• Plan on taking 3 to 4 months to work through this site. The time will depend on how well you keep your records and take the time to do the needed record keeping.
• A free Learning Coach is available via e-mail to answer your questions about anything you don't understand. Sign up for this service...
There is no cost to this program, so all of your money goes into paying your bills.