When you discover that you have more credit cards then you need, know that this is one of 10 signs you may need credit counseling. You have more cards then you need because you’re trying to pay an existing card with cash advances obtained from other new cards. Another situation that could indicate you need advice of an expert is when you’re constantly charging monthly more than you pay. If this is first sign of financial trouble many people will try to work it out on their own by working overtime or taking a part time job. As we said before, if situation is for a short period of time and you manage to get out of trouble all is fine but if it continues for a longer period this is another sign that you may need credit counseling. Also, if you start getting letters or phone calls about late bill payments, you should be worried at once.

These 10 signs you may need credit counseling do not appear all at once; in time, one after other, they will eventually appear. But it is mostly important to recognize them all, admit you have a problem and ask for help. There are situation in which signs mentioned before appear at a certain moment but person in trouble cannot see them or refuses to see them. More than that, people in financial trouble don’t know how much they owe and don’t want to find out. This is another sign that financial counseling is needed. The situation could get worse in case all this financial problems are not made known to spouse as well. And, sometimes, when trying to hide such a bad situation, people in trouble are using their savings to pay off monthly bills.

The best advice for people that are experiencing this kind of trouble is to not let all signs accumulate. When few of them appear and repeat themselves for a longer period of time, wise people should ask for advice from a financial expert that will surely have few options to get them out of debts.

* Advertising your home, if you're selling it yourself. This could easily run into hundreds of dollars, depending on methods you choose. * Realtor commissions - typically 6% of selling price. *Closing costs, including attorney and other professional fees * Excise taxes on sale * Property taxes and any homeowner association fees

Take Care Of Any Needed Repairs

If you've been putting off getting driveway fixed, repairing roof or any other needed repairs, time to do it is now, before you put your house on market. Some repairs, left undone, will prevent your home from selling at all and others will bring your asking price down. Replacing broken roofing tiles, loose gutter shoring and other minor but unsightly problems will make your house that much more saleable.

Get Your House Looking Its Best

Selling for price you want depends on how appealing your house is. Take a good, hard look at your house, inside and out. Trim bushes, mow lawns, plant a flower bed. Something as simple as giving your siding and windows a good scrub down can freshen its look immensely.

Here are some other things that increase chances of your house selling quickly:

* A fresh coat of paint, or just touching up trim * Freshly painted interior walls * New carpet or flooring in common rooms like kitchen or bathroom

Have A Garage Sale

Get rid of all accumulated clutter and pocket a little profit at same time. That collection of kids' bikes in garage may be a storehouse of memories to you, but to a prospective buyer they're just clutter - and they will make your garage look smaller. Clear away as much clutter as you possibly can. When you're ready to show your house, it should be as close to move-in condition as possible. The more easily a buyer can picture their own family in house, more likely they will be to buy.