In my years as a debtor attorney I found many people in debt over their heads got there because they did not have a firm enough grip on their spending habits. Perhaps the root of your late payments has its origin in an event that you had no control over like a loss of job or a medical problem. Maybe everything occured because of poor spending habits that either you have cured or still may have. Your next step here involves making sure you truly understand where you spend all of your money. The following program may be confusing at first, but work through it, the answers it may force you to face might change your life. Use the tutorial if you need extra help. To intelligently decide how to address your future you need to know how much money you can afford each month on new bills you may incur as well as addressing your existing debt. Even if the answer comes out that you currently live beyond your means even without the debt, you need to know the facts and move forward with solutions that fits your true standing. While some of you may end up using the more basic budget program or the paper worksheets, I would still encourage you to make your best effort at going through the more comprehensive interactive personal budget program.