Facing your financial fears begins with taking an inventory of your financial health. 

• To whom do you owe a debt?
• What made you create the debt?
• Where were you financially when the debt was created -- did it solve the problem or add to it -- and where are you now?
• When will you pay off the debt?

Why, you may ask, does any of this information make a difference or how does it directly effect your current financial health?

Because when we stop being busy and focus on a situation, we get clarity in our lives, we gain perspective, and we can better focus on the task at hand .... how you resolve your debt.