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Help for Single Mothers Who are in Debt

Debt is tough for everyone. For single mothers, however, debt can be very troubling. Things might already be tough as it is, the last thing you need is some debt to top it off. Well, you can beat debt if you are a single mother. It is not as tough as you think, and it will be very rewarding. The following are some tips that can help you take control of your debt and beat it.

Make a Budget

If you have a budget, and are deep in debt, then you need to rethink how your budget is working. If you do not have a budget, then you need to make one right now. It will really open your eyes to what you are spending. Even better, it can show you what you can start living without. A budget just really helps you put things in perspective. The last thing you want to do is spend money without a care in the world. This will just put you deeper in debt. Keep track of your income, and all your expenses. Keep your receipts, even if you pay with cash. The little things that are not expensive really add up. When you have a solid budget then you can get after that debt and fight it off.

Debt Consolidation

This helps because you can pile all your debts into one payment. There is then less to remember. You do not have to worry about 5 bills, only 1. You know how bad it is too forget a payment on one of your debts. Well, with consolidation that risk really reduces.


This needs to be your last resort. This is by no means recommended, but it needs to be addressed. Bankruptcy really can destroy your credit for up to 10 years. But it does relieve you of debts. You need to ask yourself what is better for you: to keep your debt or get rid of debt but have no credit for up to 10 years. This is a court action, so know that it might take a while. But this option really needs to be taken seriously, if you deem that it could be the right option for you.

Beat Debt and Feel Great!

If your debt payments surpass more than 20% of your income, then you need to start fixing that immediately. These tips are not difficult and can really help you. So do not let debt get you down, because you can beat it. Show that debt who is boss and rid it from your life right now.

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Debt Consolidation Tools
Learn the basics of debt consolidation, negotiaion, and debt management.
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Get back in control of your day-to-day spending with this handy budgeting guide.
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