I just wandered over to BillsIQ and took their financial heath quiz. It was actually a fairly good one, compared to a lot of the others I've seen. Instead of trying to push their products on you all the time, it asked the right questions in a wide variety of areas. And of course it's easier to answer the questions truthfully when you're alone... I don't know about you, but when I'm sitting across from someone else it's awfully tempting to skew my answers to match what they seem to want to hear.

In the summer wind
cold money evaporates
dreaming in the breeze

Debt consolidation is one recommended way to help get your monthly bills under control. It's easy to lose sight of how much you owe other people when the amounts are spread around. It's easier to get overwhelmed by ten different interest rates, ten different companies and policies... and when you start feeling overwhelmed the most likely reaction is to run and hide until the stressor goes away. It might be a perfectly logical response, but it won't provide any Debt help. Seek the best form of Debt relief by facing the whole picture and making a plan to deal with it. Pay off the high interest cards first. Consolidate so that you only have to make one payment, only have to deal with one company.

You can take back your financial freedom. It's never too late.