Check your credit score

To turn around your financial situation, the first thing you need to do is to make sure you keep your eyes on the big ticket item.

If you are a home owner, you should checking your credit score and refinance your house to lower the mortgage payment. Think of it, if you can save 300$ per months, it will be a big help to your current situation.

Hence, here is the steps.

1. check your credit score. Fico Scores/Reports
   
   
2. get a bid on your mortgage loan and try to get the best you can get
3. Make sure the loan is no point, no fee and at least 0.75 point different from your current interest rate. Otherwise, it is not worth your time to look into it.

I will talk about some more about how to get your financial situation on the right path in the next couple positing.