If you have ever fallen behind on your debts you already know that dealing with your creditors can be a hassle. Sometimes it can be downright humiliating. It doesn’t have to be that way.

Maybe these 10 items may answer some questions you have about using credit cards. Make sure to check out the link in #6.

How can you decide how much you have for bills and expenses when your paycheck varies from one payday to the next? That’s a question a lot of people struggle with.

If you are worrying about your money problems it’s time to STOP IT NOW! Easier said than done, huh.

There’s that horrifying word. The one that makes so many people cringe at it’s very utterance. It seems like they could make a very good spooky movie with the title “You Have To BUDGET!”

If you are single and don’t have kids this tip won’t mean much to you. For the rest of us that have others to consider when making money decisions it just may make things a little easier.

Checking accounts are an absolute necessity these days. You can either have a checking account or run to the bank or other outlet for money orders. Many people pay for almost everything with a check including groceries, gas, clothes and a long list of other things. When you add an ATM card to this picture, your chances for a potential problem is greatly enhanced.

Whether you know it or not, you are always setting your financial priorities. Some may decide that a new stereo system is more important than this month’s electric bill. This may be a little off the wall but it is still setting your priorities. Anyone wanting to better manage their money would be wise to determine what their financial priorities are and stick to them. Of course, if you see that these priorities will not put food on the table and pay your bills then you will have to rethink your priorities.

Have you ever wanted anything so much that you were willing to put off your bills to get it? A lot of people have and some do it month after month. The worst part of this is that these same people wonder why they are having money problems.

Are you scared, worried, unsure of what to do, frustrated, embarrassed and humiliated because you can’t pay your bills and put food on the table? What happened? Did you lose your job? Maybe you are sick or hurt and can’t work. Did an unexpected expense rip your finances to shreds? Maybe you just used those credit cards too much or bought a house that was more than you could really afford.