Sometimes it is difficult to ask for help. A lot of us think we can handle the situation ourselves. Asking for help with money is one issue that a lot of people have troubles with. Why? It is embarrassing. There does come a time when you do need to ask for help with money and debt. I reached that point, many years ago. Asking for help is the first step. The next step is finding a good credit counselor to help you manage your payments to reduce the debt.

How do I know if and when I will be in that position?

Here are 3 signs that you need to start putting aside the pride and ask someone for help.

1)Minimum Payments

Do you only pay the minimum when you pay your bill? Here is a clue, the minimum payment is just the interest. You need to pay a little bit more to start touching the principal. You will be in this situation for a while unless you start paying more than just the minimum. 

2)The Bills

How many bills do you have right now? Is it more than you can count? Too many bills mean you are out of control. You might even be missing a few payments, here and there, because you forget you have them. You need to talk to someone now.

3)You Try and Try

You might have tried on your own and failed. You may be repeating the cycle without knowing it. You need to talk with someone who can help. Sometimes doing it on your own can be overwhelming. You can admit that you need help.

"Do or do not. There is no try."

Yoda, Star Wars

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