Tried hard to come out of lying

A lot of people find them self is a similar situation. It is oh so easy to borrow money that borrowers can be over their head before they know it. People lie about their finances because most people are ashamed to admit that they have not managed them well.

You do need to quit lying to your parents and others. You are 30 years old, It is time to stand up and take responsibility for your actions. In the end the hardest person to be honest with is yourself though.

There is a simple way to get ahead financially. Spend less than you make. This is so simple but it isn’t necessarily easy. You have to put yourself on a budget. You also need to write down all of your debts on a piece of paper. Rank your debts in importance. Many times the highest priority debt is the one with the highest interest rate but you may have reasons to pay others off first. Make your required payments on all your debts but make it a goal to pay off your highest priority loan. Every time you knock off another debt you will have a feeling of accomplishment and you will be one step closer to fixing your finances. Of course don’t run up new debts unless you can’t avoid it.

Don’t be afraid to talk to your creditors. Try to get better terms and/or interest rate so more of the money you send them goes to paying down the principal.

Do be leary about people who say they want ot help. Some debt consolidaiton loans, teaser credit card rates for balance transfers, financial counceling serverces, etc are rip-offs. Sometimes you can get a good deal with things like this but do read the fine print because often they are not worth doing.

Welcome to Fun Advice!

I don’t think it is a symptom of madness. I think it is merely a lack of responsibility and organization.

You need to set yourself goals AND limits.

Set goals on where you want to be in 1 month, 3 months, 6 months and a year. Make sure they are realistic goals.

Set limits within your normal means on what to spend money on and how much. Make yourself a realistic budget and stick to it. When making your budget, set aside 10 percent as an emergency savings and rainy day fund.

You can improve. It just takes time, effort and discipline.

Ted