Credit Consultation      What is the benefit of a debt consultation? If you are struggling with debt payments, you may find it hard to enjoy much of anything. Studies prove that debt problems can affect a person's health, relationships, and job performance. Is it time for a debt consultation for you? If financial problems are negatively impacting your life, it may be time for a change. After all, no one cares more about your money than you.      To get out of debt, you must first stop using your credit cards for any reason and be on a cash basis 100 percent. Begin keeping an accurate record of how much money you spend. Carry a pen and piece of paper with you at all times. Every time you spend any money, make a note of it. At the end of every day, note on a ledger pad at home where you spent money that day. If you do this, you will "stop the bleeding" by accomplishing two major goals. You will know exactly where your money goes and you will break the habit of living off of credit cards. After 30 days, you should have a better grasp of your budget, your spending habits and your total financial picture. Hopefully you will be able to see where you can cut down on your expenses. The money that you save by cutting expenses can then be applied towards reducing your credit card debt. Was this a helpful tip for you?   If you cannot do this yourself we suggest Consumer Credit Counseling Service.  This organization is accepted by FHA and Gainesville Mortgage.