Naturally, you are always on the lookout for ways to save money. Anything you can do around your house means you won't have to pay someone else to do for you. If you can change your own oil in your car, you can save a few bucks. If home remedies work for your colds and aches, why run to the doctor?
If you are feeling overwhelmed by your debt, chances are it is affecting many areas of your life. You may wake up in the night feeling anxious, and your work may suffer because of your lack of sleep. You may feel short-tempered with your loved ones, and your debt troubles may be taking a toll on your physical health. You may have exhausted all your resources, taken a second job and cut back as far as you can on expenses.