Debt can crush not only your score, but also your spirit as you are on your personal finance journey. Understanding how to better handle that debt that is in collections will give you confidence to needed to battle debt as as whole.

The protests are calling for a change in a system that is long overdue. If you can’t physically march amongst your allies, you still have the power to evoke change using your hard-earned dollars.

If you are having trouble making your utility bills, then you can check to see whether your utility company offers arrearage plans. With this type of repayment plan, your utility company will give you a set monthly payment based on the owed balance and your average usage.