Sometimes, you want to wait for your life to be just right before you make attempt. You tell yourself, when I get new job, when I receive next promotion, or when I get my next raise, I’ll go to work on my debt.

Perhaps you are waiting for some artificially set date. You tell yourself first of year will be a good time to start or when you get back from vacation. Whenever it is, it is always in future.

I call this “perfect situation procrastinating.”. This allows you to put off any action, while you wait for your situation to be perfect. It reminds me of a story I read other day about a mother registering her daughter for kindergarten.

The mother, a school teacher, took her daughter to register for kindergarten. They were greeted by kindergarten teacher near a table outside room. On table she had some paper and crayons. The mother stood back while teacher did, what mother recognized as, a simple screening of her daughter’s abilities.

But if you going through a bad financial spell, you need an institution that will stand by you.

Our office received a call early one morning from a man desperate to save his home and needed foreclosure help. He was already 90 days late on his mortgage and desperately needed to refinance and pull out money to pay off enormous debts. He had just started a new job where he actually was making less money than before, and was in a real financial bind. His poor credit made it difficult for him to even qualify for a loan, let alone a low interest rate. To make matters worse, next day he received a notice of default on his property. This man was worried that his family would have no place to live. He was reassured that we would save his home and help him through this difficult ordeal.