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Stress from money worries gets to all of us. Stay sensible.
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If you have a bad credit rating - think about buying it back. Make arrangements to pay something back to your creditor. Ok it will take absolutely ages, but at least if you keep up the regular payments then you start to get your "name" back. Speak to your bank or building socitety. They will help you. Once you have that sorted you're on your way. If you try to ignore the problem, it will just escalate and cause you more grief in the long run. Things like this don't go away.
It's very easy to lose sight of things and spend above your means. If you're depressed it won't help to do some comfort shopping,cause the happiness is short lived. As soon as the credit card comes in you've had it. At some point you've got to pay it all back and usually with a hefty interest added on.
Couples struggle with debt - so much that they end up divorced and they make up half the clients at Credit Counselor doors. Often one person's been able to run up the debt and the other doesn't even know about it. Overall, it "pays" to be honest about your money personality. Spotting the symptoms early could keep you out of debt. Usually one partner is an impulse buyer, but it's not always the woman or there is no plan for unexpected expenses like - Vets bills, medical bills no insurance, car repairs, losing a job. Living paycheck to paycheck is also a problem, a sign that the two of you haven't hammered out a money plan. For couples, losing sight of the financial picture also comes down to societal pressure. Overcome your debt problems and enjoy living within your means. It's easy to lose control because you want to give your kids everything. Using credit cards to make up the difference between salary and spending becomes a big problem. There are good reasons why money is such a charged subject, but there are steps you can take to start working as a team. The answer is not in having more cash. Even wealthy people fight about money. Money is more than just paper - it's POWER. People often value themselves and others in terms of how much wealth we have accumulated or how high our salary is. Then take the fact that men & women usually have different attitudes toward money and that there tends to be an imbalance in the incomes, you've got a power problem straight away.

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