Christmas has always been my favorite time of the year, even as I get older, the magic stays with me. It gets even more special every year as my family starts to grow with new nieces, nephews, brothers-in-law, sisters-in-law, and all the in-laws.
As much as I love my new big family and the amazing Christmas we all had together, I spent waaaaay too much. Seriously, I got way too carried away buying gifts for absolutely everyone. But I am a giver, so I enjoy buying for others so much.
Mark, my fiancé, and I also hosted Christmas this year for the first time in our new home, for both of our families. I needed to make sure the house was all ready for everyone. I bought new furniture for the living room, and obviously bought loads of only the best decorations to turn my house into the perfect winter wonderland.
I didn't just max out my credit card; I maxed out Marks one too. Well we both did, it was for his family too. I didn't even realize how overboard we went till it was all done. It wasn't the best timing with us buying our new home, and then Mark going freelance with his work.
Once all the magic of Christmas was over, our credit card bills hit us like a ton of bricks. It was a real smack of reality. I was trying my best to budget everything, making the minimum repayments on the cards while still making all our mortgage repayments and keeping up with all our other bills.
My budgeting clearly wasn't working as I started missing some credit card payments, even the minimum amounts were too much for me. I was beyond stressed and worried about it all, and I knew Mark was too.
I started to look online to see if there was anything out there that could help us or that I could learn to manage our situation better. I came across Pacific Debt and their Debt Relief Program, it looked like exactly what we needed, but I still didn't know if we would qualify. They help you reduce the amount of credit card debt you owe by negotiating on your behalf, and also consolidate all of your repayments into just one monthly amount. I took their free consultation- sure I had nothing to lose.
The consultation was done entirely online and was so easy. At the end of it, I was presented with two solutions to our credit card debt, so I enrolled in Pacific Debt's national debt relief program. From there, my account manager, Ray, made everything so clear and almost effortless. They handled so much of the process and gave us so much guidance on anything that we needed to do. They negotiated better monthly repayment for us and the perfect plan to get us back on track.
I really didn't think I would see the day that I wouldn't have to worry about my debt, but with the amazing help from Pacific Debt, I don't have to worry anymore. We finally feel like we're clearing our credit cards, instead of just paying off the interest. In a few more months, it looks like we will have them completely cleared. And I have learned my lesson; I will never be making that same mistake again.
If you feel overwhelmed and struggling with your debt, I would highly recommend contacting Pacific Debt. They have helped so many people become debt-free, and now I know we can enjoy the next holiday season without having to worry.
Debt can be a huge pull on moving forward with your life, so if you have any other concerns, Pacific Debt can answer all of your questions for free. The first step in the debt settlement process is to have a free phone consultation. Give them a call at (888) 964-1440 to see how they can help you.