Anyone who knows me knows the war I’ve been waging against my credit card debt.  This is an issue close to my heart because I spiralled into a terrible depression over my financial situation.  A friend of mine is a police officer and she says that arguments over money and the cause of most domestic disturbances they get called to.  Get control of your financial situation today.  Call a financial advisor, check out sites like Credit Card Watch,  ask a friend or relative who is good with money to help you work out a budget and come with you to a financial planning session if necessary. There are free services for low income earners.  Be wary of offers that seem to good to be true and be aware that some debt consolidation offers may mean you pay extra tax.  There is information and help, so don’t suffer with financial worries a moment longer.