I admit that before I don't care much on the flow of our finances, as long as we pay the bills its fine. Saving only what's left, and most of the time there's nothing left. Aside from the mortgage we are paying for the new truck and also credit card payments but one thing which is killing us the most is the health insurance. I have read a lot about Debt consolidation and considering it if the situation will worsen. I have heard a lot of true stories of relative who seek Debt help, like my nice situation, they are paying for mortgage and have three kids who are growing up and aside from that she also pays for her truck which leave nothing from her salary so she have a steady huge credit card debt.
I took the Bills IQ quiz and learned a lot to have a Debt relief, make sure to always pay our Credit card debt on time and pay more than the stated current due it will help you gain high credit score and don't ever max your credit card. Consider insurance and also make it a point to set aside a good amount of money to put on your saving for the rainy days. The quiz really enlighten me to keep record of our monthly cash flows to avoid being in debt.
Haiku: Why we struggle to pay our monthly bills?, because it's too much us to handle, having a small business has so much pros and cons, like we have to pay our own insurance that each year is increasing, now its $730, our truck monthly payment, and kids school. Life is not easy we need Debt help, to keep our finances in good shape.