Are you a Christian? Do you attend church or mass on a regular basis? It does not matter if you are a Catholic, Baptist, non denominational, or any other type of Christian there is help out there for you to get out of debt. We all make mistakes and we are not all good at managing out finances. Here is a great option to help christians get out of debt.
You need to start by going and having a chat with your pastor or your priest. They will be able to help you by giving you some basic advice and referring you to a financial advisor, accountant, or other professional in the church that has volunteered to help people with their finances. This could also be somoene that was in debt and taught themselve how to get out of debt.
What can you expect?
The first thing a financial advisor is going to do is take a look at your expenses. Make sure you are 100% honest with what you have to pay out each month. You also need to go into this meeting with the understanding that you might have to give up some things that you don't need for a while, and if your spouse is not working they will have to find a job of some sort, unless there is a good reason why they cannot work.
After reviewing your expenses the financial advisor will look over your income and will help you set up a budget. They will work in tithing for you along with savings and money for everything you will need throughout the year. This will give them an idea of what you have left, each month, to use to pay off your debts.
Now they will go ahead and start calling your creditors and working with them. They probably already have an existing relationship with some of them since they work with them on a regular basis. They will negotiate to get your payment slowered, interest rates cut, and penalties waived.
Last, they will set you up on a payment plan that you have to follow. This will get you out of debt over a couple of years and put you in a situation where you will know how to manage your debts and your finances better. They will also teach you how your credit works and how to stay out of debt.
This is by far the best option to help christians get out of debt. Go have a chat with your priest or pastor and get started on the road to a better life.
