In God We Trust

At some point in assessing your debt situation, it becomes clear that you are under water, upside down — in trouble. What to do, what to do?
If you had been living by Spending Less than You Earn, you most likely wouldn’t be here, But, here you are with no idea where to go next.
Your debt [...]

You have a SPENDING Problem.
Ecclesiastes 5:10 - Whoever loves money never has money enough; whoever loves wealth is never satisfied with his income.
In all our counseling with couples and individuals in debt trouble, we find that most had simply spent their way into a precarious credit situation. They were not thoughtful about how they spent [...]