Sometimes life throws situations at us that have a huge effect on our ability to manage our finances. Despite our best efforts to budget and cut costs we feel like we’ve been swallowed by our debts and there’s no way out.  After feeling like we’ve been careful and frugal for such a long time, we suddenly find ourselves using up our entire savings, paying for our day to day expenses with credit cards and avoiding calls from collection agencies. It’s a situation that is massively overwhelming, Read more [...]