It’s unfortunate that so many people are having financial problems these days, but with the weak job market, excessive credit card interest, and resistance to creating a budget, it’s hard not to get caught in a pinch.  There are things you can do though to get yourself back on your feet.  It’s often not an easy task, but it is certainly a worthwhile one.  There is very little that can cause you the amount of stress financial problems can bring.

Financial problems are the number one cause of divorce in military families.  One in four individuals have over $10,000 in credit card debt.  Many of us not only don’t know where we are financially, but we have no idea how we got here!

The first step toward getting a handle on things is to track where you are spending your money, and that means making a list of what you are spending and where you’re spending it.  That includes those little costs too.  You may spend a lot of money on little items without realizing what’s happening.  By setting financial goals and creating a spending plan, you can get back on your feet.

For help in getting started, go to and download their financial workbook.  It will provide you with the forms you need to get started.  Anyone can get into trouble financially.  By taking charge of your finances, you’ll not only get yourself straightened out so you have the money you need to pay your bills, you’ll reduce the stress that comes with being in financial trouble, and that’s worth the effort!


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