The financial mistakes people make before seeking debt help

“I wish I had reached out sooner.” It’s one of the most common things that credit counsellors hear from people struggling with debt.Debt problems rarely appear overnight. They tend to develop gradually through a series of well-intentioned decisions made while trying to stay afloat: a credit card is used to cover an unexpected expense; a savings account is tapped to make a payment; a tax refund is expected to solve the problem next month. Each decision can seem reasonable in iso