As you begin to make the changes you need to in your budget and spending habits, it is important to not become discouraged. It can be difficult to make the changes that are necessary to help you bring your finances under control. For some people it may take quite a few years to get themselves out of the hole that they have created. For others it may not take as long. It is important to realize that the no matter how long it takes, you are making changes for the better. If you are using the debt snowball, it begins … Continue reading →