When I was still single, I don’t have any debt at all because I paid it full every month. Then I got married I was not the one who manages the money and pays bill. It was my husband. So, my life was pretty easy because all I do was doing my duty as wife and eventually mother. I didn’t realized then that my husband was struggling handling our finances and budget., but he didn’t tell me that because he didn’t wants me to be burdened by it; till such time that we were into such a big debt, particularly credit card bills that we couldn’t even pay it, because on top of that, we are also paying mortgage, bills, taxes, car insurance and house renovations. We talked about it and decided that I will give it a try doing the budget to see if we will be able to cut down our spending and save a little for rainy days. And so I did, and it helped a little but not much. That means we are in very deep Credit card debt. We didn’t know where else to find money to make our ends meet. That the time we knew we needed Debt consolidation . Bills IQ came to the rescue, they gave us Debt help to Consolidate debt . We are now at peace and happy because we got the Debt relief we needed and wanted for a long time.Because of Bills IQ, we are now very careful on how we spend and manage our money wisely. We learned to save at least 10% of our income and only buy the things that we need instead of wants; and also limit our eating out to at least once a week. I also learned from Bills IQ not to carry credit card anymore and also make sure that we have saved money enough to sustain us for at least six months or more in case of emergency/calamity.
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