You’ve tossed and turned all night. It wasn’t Santa’s reindeer flashing through your head. It was credit card bills, utility bills, mortgages or rent, collection agencies and other bill collectors chasing you. You wake up with your heart pounding and continue to lie in bed staring at the ceiling wondering what you can do.
It’s time for you to call for help from a California credit expert that can analyze your financial situation. If you live in north Orange County including the cities of Brea, Fullerton, Placentia, Anaheim, Yorba Linda, Buena Park, or any nearby city, a credit expert is right around the corner.
One of the first things you need to do to get a game plan is to review your budget and to know what bills need to be paid first.
Prioritizing your bills is a start. Bills should be set up in two categories.
Category one is your Survival Bills. These are bills that you must pay to protect your home and family’s well being and would include:
- Mortgage/rent
- Food
- Utility bills
- Car payment
- Secured loans
- Child Support
- Insurance for auto and health
Category two are bills that you must pay after all the bills from category one are paid, only with the money you have left over. They would include:
- Credit cards
- Department store and oil charge cards.
- Unsecured loans
- Medical bills
- Accounting fees
- Miscellaneous
When reviewing your list you need to determine from your personal budget what your essential, survival bills are. Californians have a lot of bills, and we need to do a better job of economizing and budgeting. Your sleepless nights will get better once you have talked with a qualified financial coach and credit expert in Southern California and gotten your game plan together.
Call a knowledgeable Orange County credit expert and financial coach and get answers to your questions today. Call 888-838-4768 or visit www.financialvictory.com.
Written by Deborah McNaughton
DEBORAH MCNAUGHTON is a nationally recognized author, credit expert, and financial coach, and is cofounder of Financial Victory Institute. Deborah is a monthly columnist for First for Women magazine and has been interviewed on hundreds of national television and radio stations, including CNN, Bloomberg Television, and Good Day New York. She has also been quoted as a credit expert in many publications, including Wall Street Journal, New York Times, and Today s Christian Woman.
