“I am in big financial trouble. I owe a lot of money and I cannot seem to make ends meet. I owe money on my credit cards and I owe money to my friends. And it is really getting me down. I just do not know what to do. I am besides myself. I know you cannot help me but I really do not know where to turn. What can I do? Please help!”

First of all, let me reassure you that the amount of people who actually owe money is higher than you can probably realise. I know this does not solve your money issues. But it does mean that banks and money lenders are aware of the situation and may be able to help you.

Adverse Bad Credit Mortages and Loans can make you feel like you are never going to get out of it. However, if you sit down and plan your debts, you may find that it is not so bad. Do add up what you owe and borrow it from 1 lender. This way you only need to pay 1 loan each month. You will also be able to pay off your friends and keep your friendship sweet.

Do try to go with the lowest interest rate you can find. By paying off a little more than the minimum payment, you will pay off your debts sooner.

And if you are afraid of falling into further debt – tear up any credit cards that you may have.

There is a way out of the situation you are in. By recognising it, you can start to put your life back together again. You will soon begin to feel better and far less depressed. Good Luck.

“I always need to do things three times. I feel that three times does the trick. However sometimes it can be time consuming because if it is not done right, I have to do it again from the beginning. How do I ensure it is always done right immediately so that it won’t take long?”

It sounds like you are suffering from Obsessive Compulsive Disorder or commonly known as OCD. You do need to seek professional help. I cannot give you a way to do things right immediately but with treatment and the right medication, you may find you won’t need to do things more than once. However, I do urge you to seek medical help.