Reflection

Now is a good time to look back and reflect on whether or not you will be out of debt as you'd planned. If you are not following along with your New Years resolution, you are only prolonging the time you are in debt.

If you have taken measures. And we mean serious measures, to get yourself out of debt, then congratulation. Hope the negotiations went well.

If you wish to...begin learning how to make ketchap soup...only if you are still bumbling your finances.