Make the Call

The economy today is more challenging than it has been in the last several years. It hurts to see how people are struggling to make ends meet. We are having a little relief from the high gas prices, and I hope it lasts a while.

The reason I am writing this is that it is no secret that finances have become tight for many of us. I hear about it everyday, andpeople are being faced with tough decisions. During the holidays it can be hard not to feel guilty that you can not provide your children and relatives with everything they ever wanted. Our family sat down for a talk this year about this very subject.

We have decided to adopt a local family for the Holidays. I wish I could say that everything is perfect at our home, but we also have it tight this year as well. The difference is we can pay for the house, the lights and the basics, and others can not. I hope this year to bring a little relief to a neighbor, in hopes that when they get on their feet they will pass it on.

One of the things I want to stress however is that if you are struggling, ignoring the problem will not make it go away. Make the call, and make payment arrangements with your creditors. You are not alone and when things change- and they will, you will have saved your credit and be even that much closer to recovering completely. Make the call it is never too late. Remember when it comes to the holidays-spending time together, and making memories will last far longer than most store bought gifts.