Step #1 You have to determine if you bill problems were created by life happening to you (ie. medical, layoff, emergency, ect.) or if you are the source of your financial woes.

If it was life, then that’s easy, skip to step #2.

But if you are the source of your problems, then you have to get you under control. Whether that means counseling or some other money management program, you have to get yourself under control. Otherwise, there is nothing that will help you… sorry.

Okay step #2 Are you willing to work your way out of your money mess? Are you willing to take a second job, learn a new skill that will help you make more money or even find a new job with a higher income? If yes, then you are set. Debt relief is doable.

If not, if you have a lazyness problem. If you are not willing to go the extra mile to get caught up, well, you are probably stuck. Your situation is probably going to get worse and quite honestly, you are wasting your time even dreaming of being debt free.

You should probably get friendly with the collection agencies.

Again, sorry to be harsh, but it really is going to take you working hard to get the solution you want.

I am guessing if you are here, trying to learn, you are willing to put the effort into your future… so good luck and please, let me know how it goes.

Chad

So what are the four steps to real relief?

#1 Get a grip on your finances.

At the point that you are asking the question, how can I find relief from my money problems, you already suspect that you have a problem with your finances.

Whether it is too little coming in or too much going out, the first step to getting a break from the frustration of credit gone bad is to take an honest look at what shape your finances are in.

Knowing the truth about your debt to income ratios will go a long way in making step two not only productive, but safer. The worst thing you can do is go into step two uninformed. That is what leads to people who really need relief being scammed by the ‘credit help’ charlatans out their.

#2 Face the facts.

If you are in over your head, the sooner you can get help the better.  Most likely you didn’t find yourself in this mess overnight and it isn’t going to work itself out without real effort on your part.

If you want to multiply the results of your work to get out of debt faster, you will need a professional. Whether it is a Christian nonprofit credit counseling group or a consolidation loan from your local lender, there are people who can help you assess your personal situation and develop a realistic plan that works with the resources you have.

#3 Go on a debt diet.

Once you have a plan to find financial relief, you have to stick to it. You can’t fall off the wagon because of a new car, purse or concert.

You need to manage your money wisely. Get on a budget. Cut your spending. And most importantly work the plan you committed to in #2.

It was the only way I could undig from my financial disaster. And don’t get me wrong, at times it was horrible. But now that I am living debt free, all the pain I endured looking for just a little relief, is just a distant memory.

And it’s not even that bad of a memory.  I am actually kind of proud that I did without somethings and postponed others. I think I am better for it.

#4 Stick with it.

Once you find the relief from the crushing financial stress of being over indebted, don’t go back.

For me this isn’t a problem, I remember the suffocating pain of owing more than I could pay.

But for you, watching your sister or neighbor or co-worker get that new “thing” might be too much to take.

It might tempt you to fall back into a cycle of spending too much. You might say to yourself, it’s only a hundred bucks a month… or what ever. But it is all of those little bills that add up to the mountain of debt that you are looking for relief from right now.

So don’t fall for it. You were made for more than getting stuff!

That’s it. Four easy steps to finding real Christian Debt Relief!

Which step do you think is the hardest?

Let me know below in the comments.

Chad

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