Negotiate your bills down

Happy Happy Wednesday! This is a big problem for so many of us. We have too many things we think we need and then look out the $$$$ we owe goes up and up. These are such trying times right now and it is so easy to get carried away in Emotional Spending. " I deserve a break" or "Lets just get away" or "That facial will do me wonders". None of which is going to make our situation better, in fact this kind of spending can lead to destructive behavior. And if the kids are old enough o witness this and understand it, they will become over spenders and find them self in trouble as adults. Lets break this habit.
But in the mean time you can negotiate your bills down. Call your creditors and have the conversation with them, they are people to. Be prepared to hear not so nice of person on the other end, after all you owe them money. If you have a hardship, IE. loss of a job, illness, or even the death of a breadwinner, be prepared to prove this information and you most likely will get your dept reduced. Also know what you can afford to pay in monthly payments o when they ask you if you can afford to pay "$325.00 a month" you can say no "but I can pay $150.00". That way they know you are willing to be responsible.
Every 6 months or so cal all your credit card agencies and ask to have your interest reduced, all they can say is no, but I have had mine reduced just by asking. And it doesn't hurt to be on time with your payments.
There are a lot of scams out there that say they can do all this for you but will charge you tons of money, now how is that gonna help. Here are a few trusted sites full of information.
Good luck gals.
www.Bills.com www.debtright.com www.nfcc.org