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[calcgoddess1183]

I'm really nervous. Financial troubles are among me. Well, among my mom at least, and they are affecting me. Our phones got cut off because of a 400 dollar phone bill and my mom's last two paychecks have been small. She also got a cut-off notice for the electric. I want her to go to credit counseling

Comments

[fairy_grrl]

Getting a credit card won't help you get out of debt. The only thing that will help you get out of debt is to stop acquiring it and start paying it off.

[dargus]

There is a big difference between credit and debt. Debt is the amount of money you owe someone. However credit is the perceived ability to pay a debt. Your credit is determined by how you pay all your bills. If you pay each month on a credit card and haven't defaulted you will have good credit. In order to build better credit you need to be able to pay a credit card each month for several years