When a person suddenly awakens to the fact that he is finding it hard to deal with his finances, he sometimes experiences feelings of guilt, especially when lack of money is stopping him form doing all the nice things that he used to with his children and partner.
The long walks along the country lane with the family and the dog on a Sunday, before arriving at a delightful thatched pub for a delicious lunch every Sunday are now a thing of the past. You still go for the walk, but not the roast dinner as you cannot afford it any more,
On other weekends you went to murder mystery weekends at nice hotel or some other themed weekend such as clay pigeon shooting, etc. Your wife was always so happy and relaxed on these occasions that you now feel terrible that you just cannot put out money that you do not have.
Some weekends you hired an expensive car, and went to the beach fifty or so miles away to frolic with your family and dog on a golden beach. That has now all gone by the board.
The kids are now dressed in cheaper clothes, and are complaining bitterly about this fact. Their friends are now all more expensively dressed than they are, and they are far from happy about it.
The current financial position that you find yourself with is due to the fact that you used to rely on your cards to pay for all the nice clothes, etc., and that was all very well, when you were financially well off to clear their balances every month.
The recession forced you to use these to survive with the fewer hours that you were working at that point, and now the cards are nearing their limit, and you are only making the minimum payment every month.
You do not need to worry and fret in this way as there is help at hand n the shape of debt consolidation loans that roll all expensive debt into one and leave one low payment in their place.
The best form of consolidation loans is via remortgages and secured loans which both have cheap interest rates.
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