Last night, we made our toll-free, mandatory credit counseling phone call. It was quite underwhelming. Basically, it was another rehash of our income, expenses, budget and what would get discharged in bankruptcy.
The gal asked what our financial goals were: to be solvent! We articulated: 1) to be able to pay bills on time with cash on hand, 2) to live a cash-only lifestyle without credit, 3) to be able to save a percentage of our paychecks and 4) to have some money leftover at the end of the week to have a life (or just go out for a fish fry).
Then she began looking at our income/expenses and tried to help us come up with places to save money or reach our goals. To be honest, everything she said was nothing that we haven't already evaluated or that I haven't already read online. I can't say there was one big revelation out of the whole experience.
Fortunately, this pleased my husband, who had been pretty apprehensive leading up to the call. By contrast, it irritated me, because I feel like we just shot $50 down the drain and didn't get anything for it except for the "blessing" to go ahead in our plans.
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