Beyond doubt, the stress involved in being a debtor has few contemporaries in todays modern world. As debt normally follows some other tragic event in your life: like loosing a job, unintentional pregnancy, a spouse leaving the family home, and of course any number of addictions, the ability to think straight is almost impossible.
In this situation the first thing to worry about is YOU, not your creditors. After all, if you lack the will power, energy and your worldly goods to rebuild yourself and your life you will never be of any use to anyone, let alone your creditors.
You have to rationalize (you know just like companies do when they fire you because they have trained a monkey to do your job: it may lack social skills, but hey! Who cares about customer service)?
Why do I say rationalize? The dictionary says, "…make more efficient by reorganizing it (cash) to reduce or eliminate waste". This means that you have to look at the cause and effect of your actions: if you stop paying the paper bill – you do not get any papers delivered: go and collect the paper yourself to stop the delivery charge. It is easy to cut out waste by stopping every regular expense you have in order to pay your creditors, but drastic action can increase your financial worries. I have listed a few categories (you will know more) where spending money helps!
