How can I manage on less income?

Eliminating unnecessary expenses

Reduce necessary expenses

How do I deal with unexpected expenses?

How to respond to unexpected expenses

Where to go for emergency funds

How do I lower the amount of debt I have?

Evaluating your financial situation

Can debt consolidation work for you?

Create a repayment plan

How credit counseling can help

How do I repair my credit?

What do creditors look for?

What affects my credit score?

What do I need to know before talking with my creditors?

Know where you stand with your loan