Are you in a financial bind? Are you having difficulty paying off your credit card debt in full each month? Are you overwhelmed by the endless expenses, collection calls, and payment demands facing you?

If you need relief from late fees, high interest rates, and overwhelming financial obligations, you are someone who will benefit from a debt management program.

Debt management programs help you manage your debt by consolidating your accounts into one manageable monthly payment. As a result, you’ll be able to pay your bills on time and will no longer face late fees and over-limit charges. You’ll enjoy reduced interest and an improved credit score, saving you thousands.

Thanks to credit counseling, debt management programs also teach you how to budget, take every expense into account, and increase financial literacy.

Paying down excessive debt is difficult — but it isn’t impossible. It simply requires determination, self-discipline, and perseverance. As Robert J. Shiller once said, “Finance is not merely about making money. It's about achieving our deep goals and protecting the fruits of our labor. It's about stewardship and, therefore, about achieving the good society.”

Good money management begins at home. One way to begin making smart financial decisions is keeping track of every expense, from small items like toothpaste and coffee to large-scale expenses like medical bills and mortgage payments.