Since you obviously have access to the internet you don't have to try to solve you money problems by yourself. There are literally thousands of resources available to help. I have listed the articles I have written on the subject. I would also recommend that you visit my Partner Sites in the right column of each page of this site for even more help. STEP 4 Resources List of Articles By Terry Rigg Editor of Budget Stretcher and Author of The Complete Budget and Bill Organizer Click Here for access to over 300 more articles. Protect Yourself When Shopping Online How Much Should My Grocery Budget Be? Fair Tax Sends Checks How to Get Rid of Pesky High Interest Student Loans By Jona E. Kessans & Terry Rigg Social Security Retire in Poverty, Die Penniless Credit Cards Can You Do Without Them? Money Is A Family Affair Constant Credit Card Payments The Cost of Work Take The Time To Get Organized Quick Money Management Tips Get Your Refund In Your Paycheck Do You Want To Become A StayatHome Parent? Are You Afraid Of A Budget Budgeting When Your Paycheck Varies The Most Costly Expense of All What To Pay When You Can't Pay Everything Yes, You Can Budget Your Consumer Rights How To Stick To Your Budget Paying Your Bills On Time How Much Do You Spend? Money Worries? Can I Afford This? Get Serious About Your Money Planning Ahead Why Have A Budget Analysis Spending More Than You Make Only You Can Prevent Money Problems Preparing For The Worst Living On What's Left Setting Your Financial Priorities Our Kids and Their Money Your Social Security Where Does My Money Go (Taxes) Sorting Your Money Budget Leftovers How Did I Get In This Mess? Need A Job? Why Budgets Don't Work and How To Fix It Learn How To Pay Off Your Credit Cards and Other Bills 10 Things You Should Know About Credit Cards Your Finances Not Just Beans A Book Review I Love That Big Tax Refund Get Started Managing Your Money How To Make Money Your Checking Account Crisis Fund A 23% Federal Sales Tax!! But Wait! Impulse Buying Add A Few Dollars To Your Mortgage Payment