{"id":16690,"date":"2020-09-18T16:24:53","date_gmt":"2020-09-18T16:24:53","guid":{"rendered":"https:\/\/nomoredebts.org\/?page_id=16690"},"modified":"2024-12-05T12:16:31","modified_gmt":"2024-12-05T20:16:31","slug":"create-a-budget-to-get-rid-of-bad-debt","status":"publish","type":"page","link":"https:\/\/nomoredebts.org\/debt-help\/get-out-of-debt\/create-a-budget-to-get-rid-of-bad-debt","title":{"rendered":"How to Create a Budget &#038; Get Out of Bad Debt"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Banner Image with Heading and Text&#8221; module_class=&#8221;vertical-align&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#e7dff3&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_type=&#8221;circular&#8221; background_color_gradient_stops=&#8221;rgba(91,37,175,0.44) 15%|rgba(91,37,175,0) 70%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(91,37,175,0.44)&#8221; 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da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; background_enable_image=&#8221;off&#8221; max_width=&#8221;100%&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||90px||false|false&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;||80px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Heading&#8221; _builder_version=&#8221;4.16&#8243; text_font=&#8221;|600|||||||&#8221; text_font_size=&#8221;42px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||26px|||&#8221; custom_padding=&#8221;0px|||||&#8221; animation_direction=&#8221;top&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Shed Your Debt Weight<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.17.4&#8243; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1em&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; animation_direction=&#8221;bottom&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Create a budget to get out of debt.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Intro Paragraph&#8221; _builder_version=&#8221;4.16&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; custom_padding=&#8221;0px||1px|||&#8221; 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da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_dmb_breadcrumbs font_icon=&#8221;%%20%%&#8221; use_home_icon=&#8221;off&#8221; use_home_text=&#8221;on&#8221; show_custom_taxonomy_crumbs=&#8221;off&#8221; _builder_version=&#8221;4.21.0&#8243; body_text_color=&#8221;rgba(102,102,102,0.8)&#8221; link_text_color=&#8221;rgba(42,209,61,0.8)&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;20px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;left&#8221; global_module=&#8221;6437&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221; link_text_color__hover_enabled=&#8221;on|hover&#8221; link_text_color__hover=&#8221;rgba(90,39,178,0.4)&#8221;][\/et_pb_dmb_breadcrumbs][et_pb_text _builder_version=&#8221;4.17.4&#8243; header_2_font_size=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Learn How to Create a Budget &amp; Get Out of Debt<\/h1>\n<p>Did you make any resolutions this year? Many people plan to shed the extra pounds that are dragging them down \u2013 but does that include weight from your bad debt? It\u2019s amazing how heavy a maxed out credit card can feel! If you want to shed your debt weight,\u00a0<a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/12-ways-to-get-out-of-debt\"><strong>get out of debt\u00a0<\/strong><\/a>and improve your financial health, read on.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; next_background_color=&#8221;#e4f8e0&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;80px||60px||false|false&#8221; custom_padding_tablet=&#8221;155px||60px||false|false&#8221; custom_padding_phone=&#8221;124px||109px||false|false&#8221; top_divider_style=&#8221;ramp2&#8243; top_divider_color=&#8221;#e7dff3&#8243; top_divider_style_last_edited=&#8221;off|tablet&#8221; bottom_divider_style=&#8221;curve2&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>How to Get Started with Shedding Your Bad Debt Weight &amp; Get Out of Debt<\/h2>\n<ol>\n<li>Take stock of your obligations: list how much you owe and how much interest you are paying. Seeing it all in black and white can be strangely motivating.<\/li>\n<li>Prioritize your debts: mortgage and vehicle payments are typically at the top of the list.<\/li>\n<li><a href=\"https:\/\/nomoredebts.org\/financial-education\/monthly-expense-tracker\">Track<\/a>\u00a0where you are currently spending your money. Before you can make any changes, you need to identify what you can change.<\/li>\n<li><a href=\"https:\/\/mymoneycoach.ca\/budgeting\/how-to-budget-your-money\" target=\"_blank\" rel=\"noopener noreferrer\">Create a budget<\/a>. Without a personal budget (<a href=\"https:\/\/mymoneycoach.ca\/budgeting\/budgeting-calculators-tools\/budgeting-spreadsheet\" target=\"_blank\" rel=\"noopener noreferrer\">spending plan<\/a>), it is impossible to live within your means.<\/li>\n<li>Develop a realistic\u00a0<a href=\"https:\/\/nomoredebts.org\/debt-help\/get-out-of-debt\/how-to-reduce-debt-strategy\">debt reduction plan<\/a>; consider:\n<ul>\n<li>where you can trim expenses<\/li>\n<li>if you can generate some extra income<\/li>\n<li>if you should suspend regular investment contributions while you\u2019re paying down debt<\/li>\n<li>if you can\u00a0<a href=\"https:\/\/nomoredebts.org\/debt-help\/debt-consolidation\">consolidate your debt<\/a>\u00a0at a lower interest rate, without incurring more debt<\/li>\n<li>if you need assistance to consider your options and develop a plan that will work<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#e4f8e0&#8243; custom_padding=&#8221;60px||160px||false|false&#8221; custom_padding_tablet=&#8221;70px||0px||false|false&#8221; custom_padding_phone=&#8221;&#8221; bottom_divider_style=&#8221;wave2&#8243; bottom_divider_color=&#8221;#ffffff&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.27.2&#8243; width_tablet=&#8221;80%&#8221; width_phone=&#8221;80%&#8221; width_last_edited=&#8221;on|phone&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.2&#8243; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; animation_intensity_slide=&#8221;2%&#8221; hover_enabled=&#8221;0&#8243; custom_css_main_element=&#8221;margin: auto;\t&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/looking-ahead-to-stay-out-of-debt_2colm.jpg&#8221; alt=&#8221;Looking Ahead To Stay Out Of Debt&#8221; title_text=&#8221;looking-ahead-to-stay-out-of-debt&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.22.0&#8243; custom_padding_tablet=&#8221;||40px||false|false&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii=&#8221;off|200px|20px|200px|20px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.2&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_text _builder_version=&#8221;4.16&#8243; min_height=&#8221;372px&#8221; custom_padding=&#8221;27px|||||&#8221; animation_direction=&#8221;top&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Looking Ahead to Stay Out of Debt<\/h2>\n<p>Over the long term, debt will drag you down. The interest and fees you pay will only grow. The more you spend to service your debt, the less money you have available for what\u2019s important to you. Dropping your bad debt weight sooner than later is easier than dragging it around with you! Creating a budget will help you avoid needing to rely on debt in the future.\u00a0<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; next_background_color=&#8221;rgba(0,0,0,0)&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;45px||100px||false|false&#8221; custom_padding_tablet=&#8221;0px||60px||false|false&#8221; custom_padding_phone=&#8221;&#8221; bottom_divider_style=&#8221;curve2&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Try these small changes to stay out of debt:<\/h3>\n<ul>\n<li>Use only cash, no plastic of any kind, for all of your purchases for one week.<\/li>\n<li>Prove to yourself that you can live without your credit card and put it away for two weeks.<\/li>\n<li>Plan not to eat out for one week \u2013 prepare to do that by shopping for foods that you can take along for lunch; create a meal plan for dinners; no take-out on the way home either.<\/li>\n<li>Don\u2019t buy any drinks-to-go for two weeks \u2013 no coffees, teas, waters, juices, pop.<\/li>\n<li>Scale back your cell phone features for one month and only use your phone for essential calls.<\/li>\n<li>Reduce the monthly fee on one utility bundle, e.g. lower your cable package, for two months.<\/li>\n<\/ul>\n<p>Learn more about\u00a0<a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/12-ways-to-get-out-of-debt\">how to get out of debt<\/a>, or discover more\u00a0<a href=\"https:\/\/nomoredebts.org\/blog\/dealing-with-debt\/12-ways-to-get-out-of-debt\">ideas about getting out of debt<\/a>.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|tablet&#8221; transform_translate_tablet=&#8221;&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|desktop&#8221; transform_translate_linked_tablet=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; transform_styles_last_edited=&#8221;on|desktop&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;62%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;-15px|79px|||false|false&#8221; custom_margin_tablet=&#8221;0px||||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;|||3px||&#8221; animation_direction=&#8221;bottom&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; text_text_shadow_style=&#8221;preset1&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Find out how to get debt relief<\/h3>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Paragraph Message&#8221; _builder_version=&#8221;4.24.2&#8243; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;22px&#8221; text_line_height=&#8221;1.4em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|tablet&#8221; transform_translate_tablet=&#8221;&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|phone&#8221; transform_translate_linked_tablet=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; transform_styles_last_edited=&#8221;on|phone&#8221; z_index=&#8221;1&#8243; text_orientation=&#8221;center&#8221; max_width=&#8221;60%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|desktop&#8221; module_alignment=&#8221;center&#8221; min_height=&#8221;79px&#8221; custom_margin=&#8221;-11px||40px|||&#8221; custom_margin_tablet=&#8221;0px||0px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; animation_direction=&#8221;bottom&#8221; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; text_text_shadow_style=&#8221;preset1&#8243; text_text_shadow_color=&#8221;#000000&#8243; global_colors_info=&#8221;{}&#8221;]Get the help you need. Find the right option that will work for your specific set of circumstances. Instead of endlessly looking through debt consolidation company reviews, let one of our experienced counsellors help you. If we can&#8217;t fully help you, we&#8217;ll refer you to an organization we trust that can or help you put together an action plan so you can get started on your next steps. Feel free to give us a call or chat with us online. 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custom_padding=&#8221;30px||||false|false&#8221; custom_padding_tablet=&#8221;200px||100px||false|false&#8221; custom_padding_phone=&#8221;200px||||false|false&#8221; animation_direction=&#8221;top&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|50px||50px|false|false&#8221; custom_css_main_element=&#8221;margin: auto;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.27.2&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;rgba(255,255,255,0.6)&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; animation_direction=&#8221;bottom&#8221; hover_enabled=&#8221;0&#8243; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Get the clarity you need.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Title&#8221; _builder_version=&#8221;4.27.2&#8243; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_font_size=&#8221;30px&#8221; text_line_height=&#8221;1em&#8221; header_font=&#8221;||||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_2_font=&#8221;Montserrat|700||on|||||&#8221; header_2_font_size=&#8221;42px&#8221; header_2_line_height=&#8221;1.3em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;700px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;10px||||false|false&#8221; animation_direction=&#8221;bottom&#8221; inline_fonts=&#8221;Work Sans&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Speak with a non-profit credit counsellor.<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Subtitle&#8221; _builder_version=&#8221;4.27.2&#8243; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#ffffff&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;||||||||&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; max_width=&#8221;430px&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|phone&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|||&#8221; 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We&#8217;ll review your financial situation with you and explore all the different ways you can get rid of your debt. There are even debt relief and debt repayment programs that might help.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us#options&#8221; button_text=&#8221;Get Some Help&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.19.3&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#2ad13d&#8221; button_icon=&#8221;&#x35;||divi||400&#8243; global_colors_info=&#8221;{}&#8221; button_border_radius__hover_enabled=&#8221;on|hover&#8221; button_border_radius__hover=&#8221;8px&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_bg_color__hover=&#8221;RGBA(255,255,255,0)&#8221; button_bg_enable_color__hover=&#8221;on&#8221; button_text_color__hover_enabled=&#8221;on|hover&#8221; button_text_color__hover=&#8221;#2AD13D&#8221; locked=&#8221;off&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.27.2&#8243; background_color=&#8221;#4e128c&#8221; animation_direction=&#8221;right&#8221; 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font-weight: 700; font-size: 20px;\">Get Some Help \u2013 It&#8217;s Free<\/pee><!-- [et_pb_line_break_holder] -->      <pee style=\"padding-left: 20px; padding-right: 20px; margin-top: -10px;\">Get a free appointment to explore your options and get back on track.<\/pee><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <note hidden> *** HUBSPOT FORM CODE GOES DIRECTLY BELOW *** <\/note><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/embed\/v2.js\"><\/script><!-- [et_pb_line_break_holder] -->    <script><!-- [et_pb_line_break_holder] -->      hbspt.forms.create({<!-- [et_pb_line_break_holder] -->        portalId: \"4092106\",<!-- [et_pb_line_break_holder] -->        formId: \"d9fc5ef3-96fb-4e84-ae29-09eb338855d3\"<!-- [et_pb_line_break_holder] -->      });<!-- [et_pb_line_break_holder] -->    <\/script><!-- [et_pb_line_break_holder] -->    <!-- [et_pb_line_break_holder] -->    <note hidden> *** HUBSPOT FORM CODE GOES DIRECTLY ABOVE *** <\/note><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/form>\n<p><!-- [et_pb_line_break_holder] --><\/html>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Related Topics&#8221; _builder_version=&#8221;4.19.3&#8243; background_color=&#8221;rgba(91,37,175,0.15)&#8221; z_index=&#8221;0&#8243; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;70px|0px|100px|0px|false|false&#8221; custom_padding_tablet=&#8221;||0px||false|false&#8221; custom_padding_phone=&#8221;50px||0px||false|false&#8221; top_divider_arrangement=&#8221;above_content&#8221; da_disable_devices=&#8221;off|off|off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; 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transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/10\/getting-rid-of-debt_related_topic.jpg&#8221; alt=&#8221;getting rid of debt&#8221; title_text=&#8221;getting-rid-of-debt&#8221; _builder_version=&#8221;4.16&#8243; border_radii=&#8221;off|8px|8px||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Getting Rid of Debt<\/h3>\n<p>We&#8217;re happy to help you figure out your options. There are more than you might think.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;\/debt-help\/debt-management-program&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/talking-to-a-credit-counsellor_related_topics.jpg&#8221; alt=&#8221;talking to a credit counsellor&#8221; title_text=&#8221;debt-management-program&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Debt Management Program<\/h3>\n<p>You&#8217;re not alone if you&#8217;re wondering if a DMP is right for you. Here&#8217;s what it is and how it works.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; background_color=&#8221;#ffffff&#8221; transform_translate_linked__hover=&#8221;off&#8221; link_option_url=&#8221;https:\/\/nomoredebts.org\/blog\/debt-consolidation\/5-reasons-people-are-declined-debt-consolidation-loans&#8221; border_radii=&#8221;on|8px|8px|8px|8px&#8221; box_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|hover&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover=&#8221;0px|-10px&#8221;][et_pb_image src=&#8221;https:\/\/nomoredebts.org\/wp-content\/uploads\/2020\/09\/signing-agreement-with-advisor_related_topics.jpg&#8221; alt=&#8221;signing agreement with advisor&#8221; title_text=&#8221;credit-counselling&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;H3 + Teaser Text&#8221; _builder_version=&#8221;4.16&#8243; header_3_text_align=&#8221;left&#8221; header_3_text_color=&#8221;rgba(0,0,0,0.8)&#8221; header_3_line_height=&#8221;1.3em&#8221; width=&#8221;80%&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221; content__hover_enabled=&#8221;off|desktop&#8221; header_3_text_color__hover_enabled=&#8221;on|hover&#8221; header_3_text_color__hover=&#8221;#2ad13d&#8221;]<\/p>\n<h3>Credit Counselling<\/h3>\n<p>Are you curious about what credit counselling is or how it works? Here&#8217;s what you need to know.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;off|off|on&#8221; admin_label=&#8221;Related Article Swipe Cards | Mobile&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;3px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_code admin_label=&#8221;Swiper Code for Swipe Cards (Need to upload card images and then enter their URLs in this code)&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;]<!-- Link Swiper's CSS --><!-- [et_pb_line_break_holder] --><link rel=\"stylesheet\" href=\"https:\/\/unpkg.com\/swiper\/css\/swiper.min.css\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><!-- Demo styles --><!-- [et_pb_line_break_holder] --><\/p>\n<style><!-- [et_pb_line_break_holder] -->    .swiper-container {<!-- [et_pb_line_break_holder] -->      width: 100%;<!-- [et_pb_line_break_holder] -->      height: 100%;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->    .swiper-slide {<!-- [et_pb_line_break_holder] -->      text-align: center;<!-- [et_pb_line_break_holder] -->      font-size: 18px;<!-- [et_pb_line_break_holder] -->      background: #e7dff3;<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->      \/* Center slide text vertically *\/<!-- [et_pb_line_break_holder] -->      display: -webkit-box;<!-- [et_pb_line_break_holder] -->      display: -ms-flexbox;<!-- [et_pb_line_break_holder] -->      display: -webkit-flex;<!-- [et_pb_line_break_holder] -->      display: flex;<!-- [et_pb_line_break_holder] -->      -webkit-box-pack: center;<!-- [et_pb_line_break_holder] -->      -ms-flex-pack: center;<!-- [et_pb_line_break_holder] -->      -webkit-justify-content: center;<!-- [et_pb_line_break_holder] -->      justify-content: center;<!-- [et_pb_line_break_holder] -->      -webkit-box-align: center;<!-- [et_pb_line_break_holder] -->      -ms-flex-align: center;<!-- [et_pb_line_break_holder] -->      -webkit-align-items: center;<!-- [et_pb_line_break_holder] -->      align-items: center;<!-- [et_pb_line_break_holder] -->    }<!-- [et_pb_line_break_holder] -->  .swiper-pagination{<!-- [et_pb_line_break_holder] -->    position: relative;<!-- [et_pb_line_break_holder] -->    padding: 5px;<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  :root {<!-- [et_pb_line_break_holder] -->    --swiper-theme-color: #5b25af<!-- [et_pb_line_break_holder] -->  }<!-- [et_pb_line_break_holder] -->  <\/style>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Swiper --><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"swiper-container\"><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"swiper-wrapper\"><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"\/debt-help\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/10\/getting-rid-of-debt_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"\/debt-help\/debt-management-program\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/07\/debt-management-program_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->      <\/p>\n<div class=\"swiper-slide\"><a href=\"\/debt-help\/credit-counselling\"><img decoding=\"async\" src=\"\/wp-content\/uploads\/2020\/06\/credit-counselling_related_topic_card.jpg\";><\/a><\/div>\n<p><!-- [et_pb_line_break_holder] -->    <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- Spacer --><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"swiper-spacer\">\u00a0<\/div>\n<p><!-- [et_pb_line_break_holder] -->    <!-- Add Pagination --><!-- [et_pb_line_break_holder] -->    <\/p>\n<div class=\"swiper-pagination\"><\/div>\n<p><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Swiper JS --><!-- [et_pb_line_break_holder] -->  <script src=\"https:\/\/unpkg.com\/swiper\/js\/swiper.min.js\"><\/script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->  <!-- Initialize Swiper --><!-- [et_pb_line_break_holder] -->  <script><!-- [et_pb_line_break_holder] -->    var swiper = new Swiper('.swiper-container', {<!-- [et_pb_line_break_holder] -->      pagination: {<!-- [et_pb_line_break_holder] -->        el: '.swiper-pagination',<!-- [et_pb_line_break_holder] -->      },<!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] -->  <\/script>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s amazing how heavy a maxed-out credit card can feel! If you want to shed your debt weight, get out of debt and improve your financial health, read on. <\/p>\n","protected":false},"author":6,"featured_media":11667,"parent":10354,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"class_list":["post-16690","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.8 (Yoast SEO v24.8.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Create a Budget &amp; Get Out of Bad Debt - Credit Counselling Society<\/title>\n<meta name=\"description\" content=\"It\u2019s amazing how heavy a maxed-out credit card can feel! 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