As I had always been very good with money when I was younger, it nearly broke my heart when I had to go in for poor credit debt consolidation. I knew that it was better than the alternative of going bankrupt, but it was very upsetting, nonetheless.

It all went downhill when I got married and my husband was somehow able to justify all the money that we were spending, but not making. He did not want to admit that we had a problem, but he finally, reluctantly agreed to look into how to reduce credit card debt.

We made an appointment with a financial advisor, who was going to lay out some debt diet plans for us. He told us that it would take a long time and a lot more effort on our part, but that we certainly could eventually become debt free.

I have started spending wisely again and my husband finally concurred that it would be best if I handled all of the financial matters in our household.