There may come a time when you feel like your finances are controlling you rather than the other way around, and that will be when you have to stop and say, ‘all right now, what am I going to do about this?’ And any sort of immediate answer may feel a bit overwhelming, which is why you have to take it one small step at a time. And five steps that you can take, none of which involve you actually making more money, including working to repair your credit, getting on budget, paying off debt, organizing and minimizing, and cutting
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