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To avoid bankruptcy, be persistent with payback. Pay what you owe on time. Think beyond yourself. How will this purchase affect my family?

Next come garnishment of wages, lawsuits and divorce. All of these can come from not watching the front door of your finances. Work hard to keep your financial house in order.

Lying leads to friends leaving. There are problems with your mate because of bad money management. Financial woes put a huge strain on a marriage. There are phone calls and notes in the mail about late payments. Creditors come calling, and the strain on your marriage is getting worse and worse.

This week, let's talk money. There are several signs to watch for if you feel like you're going broke. You lie to yourself and others. You don't want to acknowledge how bad the situation is. You charge items even when we know you're in trouble. You promise payment, knowing full well you won't be able to pay the bill. You lie to your landlord, the bank, your friends. Here comes the domino effect.

If you believe you need help with your financial affairs, please consider the Dave Ramsey class Financial Peace. This is taught at Ashland Community and Technical College; area churches also offer this class.

Each partner in the relationship plays the blame game and feels guilty. Pastors should talk strongly to couples about the finances of a marriage because this is one of the most important things to help keep a marriage safe and healthy.

of higher finance rates because of late payments. Late fees are eating up the payments you try to make.

You must be willing to work, carefully save and be disciplined. Don't misuse credit cards. The finance rates are a trap. Pay off credit cards in full every month. If you can't pay them off monthly, it costs too much.

your family healthy, affordable meals. You can take a vacation without breaking the bank. You can give your home high style design at a low cost. A tip to decorate on a shoestring: Take your Nike Free 3 Flyknit Womens camera phone to a high end furniture store. If you find a layout you love, take a picture. Now you can shop a store with lower prices and duplicate the look.

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When panic sets in, both parties make attempts to rectify some of the debt. Now you are caught in a trap Nike Free Shoes 2018

Keeping your financial house in order

Yes, you can work hard and fix bad credit. You should enlist an expert who can deal directly with your creditors and make a plan for payments that you can afford. Be diligent and your credit score will improve. Living a frugal life brings financial peace.

Your credit score starts to suffer. This is critical stage. You are considered a credit risk. Banks and lenders do not want to do business with you. Buying a car or a home will be nearly impossible.