Make a budget because budgeting is an important part of controlling the flow of your money. Budgeting helps you see the whole picture and gives you a plan with defined steps to focus on. It moves the what of reducing your debt and improving your credit into a plan of attack. Budgeting is the how of debt reduction, it’s where you write down the plan you’re going to follow to get your finances under control. You have to start somewhere, and budgeting is a good place to start. At least you have a plan. 
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What a great resource!
I think the credit industry needs more regulation. I think the credit companies do a lot of underhanded stuff. The interest rates are way to high, and they want you to default so they can raise the rates even higher. Something has to be done some sore of change.
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fix your credit…
I will have to tell my girlfriends about this place….