Use them or not???
I know they can really help people in need. I know what they are about and what they do but I wonder if I should use them or try it on my own.
Okay, some background on me
1) We are struggling really bad right now
2) I have a truck lease payment that is 62 days behind (I don't think so and the mgr can't figure it out either but they say we are). I promised to make a payment this week...they said it wasn't good enough...they want a double payment or they might work on taking our truck.
3) I was behind on my house so I made a payment early this month and they want another on the 30th...then of course another the beginning of October...we can't afford that many payments that close together!
4) We have too many credit cards...I get mixed up and I forget to pay some...even with them written down I forget to look
5) We have been really trying to save nickles and dimes the last couple of weeks. We have written down a budget, kind of...more like we know what we need to do but I have no idea on how to get started! I feel if I could pay up to date on my bills I can do it because then I know exactly what the amount due each month is and a regular due date...now it seems we are paying whatever whenever.
6) I am exhausted...from working late and then not getting enough sleep. I am feeling so overwhelmed and I can't think straight anymore. I know something is being paid automatically in my account and then we forget it and boom...there are more nsf's on my account...now just for more info....we havent' seen nsf on our checking account in years and years and now we have seen way too many the last few wks!
Anyways, if you are confused as to what I am asking...I need your opinion....our credit is shot right now...should I keep plugging along the way I have been and hope this full time job comes along soon or do you think I should go thru CCCS and get everything into one payment.
I know they can really help people in need. I know what they are about and what they do but I wonder if I should use them or try it on my own.
Okay, some background on me
1) We are struggling really bad right now
2) I have a truck lease payment that is 62 days behind (I don't think so and the mgr can't figure it out either but they say we are). I promised to make a payment this week...they said it wasn't good enough...they want a double payment or they might work on taking our truck.
3) I was behind on my house so I made a payment early this month and they want another on the 30th...then of course another the beginning of October...we can't afford that many payments that close together!
4) We have too many credit cards...I get mixed up and I forget to pay some...even with them written down I forget to look
5) We have been really trying to save nickles and dimes the last couple of weeks. We have written down a budget, kind of...more like we know what we need to do but I have no idea on how to get started! I feel if I could pay up to date on my bills I can do it because then I know exactly what the amount due each month is and a regular due date...now it seems we are paying whatever whenever.
6) I am exhausted...from working late and then not getting enough sleep. I am feeling so overwhelmed and I can't think straight anymore. I know something is being paid automatically in my account and then we forget it and boom...there are more nsf's on my account...now just for more info....we havent' seen nsf on our checking account in years and years and now we have seen way too many the last few wks!
Anyways, if you are confused as to what I am asking...I need your opinion....our credit is shot right now...should I keep plugging along the way I have been and hope this full time job comes along soon or do you think I should go thru CCCS and get everything into one payment.