Next, do you know your credit score? Ya, I can see how troubled you are right now.
If you doubt yourself, go take this test at Bills IQ. Try out the questions, let me know what scores you have. By then, let me explain what is financial health. There are many things to consider including any outstanding debts you have, how much you are saving monthly, how much you are putting in your 401k, your career goals, and much more
As for me, my results aren't that bad at all, I have an average 90% score. Not bad right?
I think I have a good control of my finances. I have solid goals in what I want in terms of payment of mortgage, when I want to retirement, career and personal goals. I contribute the max to my 401k, and I put into my saving whatever extra money I earn each month. I take my finances seriously. Eventhough still single, I'm keeping enough money now for my future plans. And that is really important as you can never predict when you're in any emergency and need lots of cash.
Therefore, don't wait no more. Go take the quest, learn important aspects of Debt consolidation, Debt relief and Debt help
By then, you will have enough confidence in yourself, about your kids in future, retirement and buying a new house.
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