Now that you have prioritize your financial problems and set goal dates for each one, map out the steps that you need to take to get there. For example, if your goal is to pay off a large credit card debt within two years, you will need to calculate how much to pay each month. Be Consistent with those payments.
You will also need to avoid using the credit card if the account is still open. If your goal is to find a job, you might list solutions such as search job postings daily, submit 10 applications per week or call after a week if you have not heard back from the potential employer.
You may also consider whether or not debt consolidation is an option for you. It can be a good idea in certain instances, but you must always be careful to read the fine print because there could be downfalls. Make sure you get an understanding of the terms and the effect on your particular circumstances before you agree to consolidate any type of debt.
There is an old adage that says there is more than one way to skin a cat. That means there is more than one way to tackle your issues. What works for one person may not be feasible for the next person. The point is to write down the plan that works for you to reach your goal. You may not have the resources to pay off your student loans in five years, but if you can do it in 10 years, that is substantially better than the standard 30 year repayment plan. With either plan, you will save yourself thousands of dollars in interest payments.
The point is, doing something is always better than doing nothing, so get busy figuring out your solutions.
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