Second, Be Prepared To Rebuild Your Credit

Category: Finance.

Recovering from addiction is a long struggle, one that extends beyond a body free from substances. Achieving permanent sobriety means rebuilding your life after addiction and creating a foundation upon which you can steadily stand.

Recovery is a healing process that reaches out to your relationships, you career and, your mental health even your finances. To do that, many people recovering from addiction need to rebuild their finances. Many people coming out of addiction are faced with depleted savings, repossessed goods, health bills, bad credit or even bankruptcy. If you re on the path to recovery, keep reading to learn how to take charge of your finances, budget for an abundant life and rebuild your credit. Before the stress of these financial burdens affects your path to recovery, you need to face your financial problems head on. Start by calculate your total family income from all sources. First, learn to budget your money without going further into debt.

From there, calculate all of your expenses including rent, utility costs, house payments, groceries, savings and entertainment, debt repayments. Whether your cuts as small as removing your cable service or as big as downgrading your apartment or home- sometimes we need to cut back in order to build back up. If, after budgeting, you re unable to balance your incoming cash flow with your outgoing cash flow, then you need to start making cuts. Remember, you can also renegotiate your credit agreements and set up payment schedules as a way to reduce your monthly payments and begin tackling your debt both responsibly and in way that s affordable. This starts with a plan. Second, be prepared to rebuild your credit.

Focus on how you re going to attack your debts, make a commitment to never miss a payment and plan out how you re going to use your future borrowing ability. You can then rebuild your finances by always making your bankruptcy payments on time, applying for and maintaining a secured credit card, staying away from payday loans or other high interest traps and always being diligent with your payments. If you ve had to declare bankruptcy, start rebuilding by reopening a checking or savings account. It s a long and hard road to rebuilding your finances, but over time you ll get there. With time, you ll be back in a position where you can apply for a home mortgage, obtain a credit card or secure a car loan. The first year is the hardest, but once you ve proven that you can responsibly manage your finances for a 12- 24 month period, you ll see your credit score improve exponentially.

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