I loved to go shopping for the latest fashion trends and gadgets available in the market.  Every weekend, I race to the mall and shop till I drop or at least until my credit card reaches its limit.  Being a shopaholic caused me to spend more than what I was earning, every penny from my salary goes to credit card companies for the five credit cards that I have, and since I have no ready cash to spend anymore, I again use my credit card.

I was really on a financial emergency, more money was coming out than what was coming in, and I find my credit card bills increasing and increasing every month.  That was when I decided to go on credit counseling.  Credit counseling helped me determine the best options in solving my current situation.  One option was debt consolidation, wherein it entails taking out one loan to pay off many others, thus can reduce my five payments to only one per month.  There were no second thought; I was determined to cut off my financial obligations that I registered to credit card debt consolidation as soon as possible.  And after that, I learned to control my spending habits, thus, my monthly bills gradually reduced.