How do you start fixing your financial problems?

If you’re on this site, you’re at least going the right direction. If you’ve gone to the library to check out some books, if you’re searching through some weblogs, if you’re talking to your best friends about money instead of your high heels, you’re definitely on the right track. There are a million and one “first steps” suggested by twice as many people. I’ve looked in three places: my history, a book called Stop Fighting About Money and Start Making it Work for You from the local library, and The Simple Dollar online.

This is my top 8 list that I have complied over the past ten months as I approached my own financial freedom — th


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4 Responses to How do you start fixing your financial problems?

  1. Hilary says:

    One nifty trick I learned with credit reports is this: When you go to, you are entitled to one free report per agency per year. So, you can actually stagger them so you view one every four months (Jan. from Transunion, May from Equifax, Sept. from Experian, Jan. from Transunion, etc…).

    B/c they have to update each other (if a new line of credit is opened, for example), this is a great way to monitor your credit without paying for a service. Plus, every four months you get to deal with just one credit bureau for updates and corrections, as opposed to dealing with all three at once.

  2. TFOM says:

    You sure can save a ton by making a list before you go to the grocery store. Never go to the grocery store HUNGRY!

    On my blog I have a step-by-step guide to your Free annual credit reports from all three bureaus for anyone interested! Just click on “REAL Free Credit Reports” under “Best of the Blog”

    There pretty easy to get and free, just remember that once you pull them you have to wait 12 more months before you can pull them again!

  3. Jay Gatsby says:

    There are a whole host of ways to start fixing your financial problems, but the most effective one is simply making the decision to do so. Most people stick their heads in the sand, hoping that some external force, be it g-d, fate, family, long lost rich uncle, etc… will take care of their needs. What they don’t realize is that no one cares more about their financial well-being than they do. People often have to go through a period of extreme financial hardship to realize this simple fact.

  4. pfodyssey says:

    I like the list, but suspect it would change depending upon the individual. For example, your list seemed heavily skewed toward someone who had a lot of credit card debt (getting credit reports would probably be at the very bottom of any list I would make). Nonetheless, goo d comments!

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