After coming from financial ruin, I started Money Nerd to stop people from making my mistakes. This site is aimed at people who don’t want to stress about debt.
1) do a financial snapshot
I recommend everyone does a ‘financial snapshot‘ to find out exactly where they stand.
2) check your debt options
Once you know where you stand, you’ll be better placed to look at your debt options to decide what’s best for you.
3) improve your finances
Once you’ve decided what debt option you’re taking, then you can follow the steps to improve your finances.
4) borrow smarter
And finally, once you’re in a good place, learn how to borrow smarter next time!
I truly believe if you invest a little time in the process, your life will become stress-free. Good luck!