Determine the money you owe
Focus on determining your balance. Create a summary of all of your debts.
For every single one, list:
- The amount that is total owe
- the minimal payment per month
- the attention price
Your list may add:
- mortgages
- auto loans
- bank card balances
- credit line balances
- payday advances
- fees you borrowed from
- buy now, spend later balances
- unpaid utility bills (cell phone, hydro, cable, etc.)
- student education loans
- loans from family and friends
- spousal support and/or son or daughter support you borrowed from