What have i done so far?
things i should do-
1. Get on my knees and consult my FATHER in Heaven - to ask for guidance;
2. Write a specific goal with time frame;
3. List down my debts;
4. Prepare a budget;
5. List my expenses.
Am i on the right direction.
Do i have to make arrangements with my creditors? I have read some advises from credit counsellors to be honest and talk to the creditors.
What would be the Christian approach in dealing with debts.