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I just took an interesting quiz at Bills.com. I didn’t do too well on it and I really didn’t expect to. I really owe a lot of money for bills and I really can’t afford the bills I have now. There is no doubts I need to start creating a nest egg, so I have some money to fall back on in case of emergencies. The Bills IQ quiz made me also start thinking about my retirement that is about 3 decades away. I really need to look at my golden years because I have failed to start saving for retirement yet. For me to start saving money, I first need to find a way to get some Debt relief.

Sometimes we don’t need to get a new job to bring in extra money. We just need to stop paying the high interest rates on our bills and this is where I could use some Debt help. It gets confusing trying to pay each bill and sending out so many payments each month to the people I owe money to. I know I could relieve a lot of financial stress if I would just take the time to try Debt consolidation. This way I would only have to worry about sending out one payment and many times the people that you get to help consolidate your bills for you, will be able to get you a discount on the interest rates. So just getting all of my bills paid off and becoming debt free would be a huge burden off of my shoulders. The Credit card debt is my main concern and these are where my highest interest rates are at. If I could just focus on getting my credit cards paid off, this would be like me getting a 2nd job, by saving all the money I normally have to pay on interest rates. Sending in the minimum credit card payments each month is not taking a whole lot off the principle and most of the money I send to the credit card companies is going for interest. So I really need to pay my bills off, so I can start saving money that I should have started saving years ago!

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