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I don't negotiate with your creditors or work out a schedule of payments with them. My focus is on setting up a budget for you, and changing the patterns that got you into trouble in the first place. Without that change, any solution is only going to lead to more financial problems in the future.

I am not going to make you do anything. You are in control of what happens; my task is to give you new ideas to try.

You aren’t broke as long as you have an income, but I'll bet you have no idea where all your money is going. My goal is to help you find all that missing money. You may have to spend a few dollars, but you will soon have money in the bank (maybe for the first time).

No. I will bring all the ideas and supplies that you will need. It takes some of your time, but you will see the rewards within a month.

Your real question is probably, “How can I retire when I have no money saved?” That should not be a problem if you are committed to working at it, and you still have at least ten years before the big day. I will show you how.

If your marriage is damaged from the spending and debt issues, then there is a good chance that you are going to start seeing each other as partners again, instead of as enemies.

First of all, if you have a conscience, the guilt may keep you awake at night…after all, you will have essentially "stolen" the items from the merchant or the bank. On the financial side, you will lose your ability to borrow. If you think that cutting up your credit cards would be difficult, think of what it would be like if they are all cancelled for the next seven years (or longer).

If you could do it on your own, you would. You can't be an expert at everything Maybe it’s time to admit that you need help with your money management. You won’t regret your decision…not for a minute.