http://www.badcreditbaby.com/credit/credit-counseling/consumer-credit-counseling/consumer-credit-counseling-service/ A consumer credit counseling service can help you get your finances back on track. Whether you just need a little fine-tuning or a full-blown debt management program, a consumer credit counseling service can help. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 How are your finances looking? A little bleak? Turn to a consumer credit counseling service for help. Benefits of Consumer Credit Counseling Some people seek out a consumer credit counseling service when they know their finances are a little out of whack, or when they feel their bills are beginning to exceed their budget. Others get help when they need to learn how to budget. Still others get consumer credit counseling when they've just enrolled in a debt management program and it's suggested by the debt management company. Why would they suggest this? Because consumer credit counseling services will talk to you about your financial situation. They'll ask you how you think you got in the situation you're in, what your financial values are, then they'll help you set up a budget based on your current income and expenses. A consumer credit counseling service will want you to be honest with them, which means you're going to have to be brutally honest with yourself. How important is it, really, to get your nails done every two weeks? Why not get the fake ones taken off, buy a bottle of vitamins made specifically for skin, hair and nails and grow your own? And speaking of growing your own, why not grow your own veggies in a garden? Okay, maybe that's a bit extreme. You may not have the space for a garden (or a green thumb, for that matter). And why are you really buying all those clothes? Do you even wear them all? Do you really need them? And do you have to buy Tide with Downey? Purex is about 1/3 of the price and works just as well. Or, you could go to Costco and by the Kirkland brand (which is Costco's generic version of Tide). A consumer credit counseling service will tell you ways to cut back, like using coupons. (There's a right way and a wrong way to use coupons ya know, and a consumer credit counseling service will teach you the difference.) Before you know it, the benefits of your credit counseling sessions will show. You'll be getting out of debt and your credit report will thank you for it. Sat, 26 Jul 2008 15:00:00 EDT