You have options. But your first job is to accept your situation, then get serious about getting back on track, Lesley-Anne Scorgie writes.
Are you only making minimum payments until “extra” cash comes your way?If you answered yes or even maybe to any of these questions, you probably can’t afford your credit card debt.
Some people turn to family members to help consolidate their debt balances. This can be a good option, but just be clear with whomever is helping you regarding any strings attached, and draw up a contract. I once mediated between a father and son because of a family loan of this nature, and it ripped their relationship completely apart.Multiple balances? Start paying a bit extra each week on the highest-interest balance.
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