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Trying to purchase a home for the first time, then need to get debt under control so can get a mortgage. To qualify for the most or largest mortgage all other debt needs to be gone or almost gone. 

Article Link:
 https://www.nerdwallet.com/article/mortgages/home-buying-checklist-steps-to-buying-house

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Having problems deciding on which debt to payoff or to apply extra money. Will walk thru the process on making this decision step by step.

Article Link: 
https://www.nerdwallet.com/article/credit-cards/how-credit-card-payments-applied  By Claire Tsosie & Sara Rathner

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How to get started in reducing debt and what are the basic thing need to do. Getting started with a overall plan is a must.

Article Link:
https://www.equifax.com/personal/education/debt-management/articles/-/learn/prioritize-debt-payments/

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Real Stories of Unmanageable Debt this is a problem with many. Knowing what has happen to other people will make people realize this is a problem. The second part is how to get out of debt and the time it takes to do so.

Article Link:
https://www.aspeninstitute.org/blog-posts/real-stories-of-unmanageable-debt/ By Dyvonne Body
https://www.khou.com/article/money/magnify-money/8-inspirational-stories-of-people-who-overcame-debt/507-537577067

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Reducing debt start with having a plan. Writing it down and following to the letter. Anything else is not going to work to reduce debt.

Article Link:
https://www.consumerfinance.gov/about-us/blog/how-reduce-your-debt/ By Courtney-Rose Dantus

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What are the best ways to use a budget, what information can be obtain.

Article Link:
https://www.oklahomacentral.creditunion/Ten-Solutions-to-Common-Financial-Challenges
https://www.investopedia.com/1-finance/most-common-financial-mistakes/ By Emily Norris

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Why do tracking and the benefits, again lost word file so no information  on links.

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How to get started building wealth, again lost word file so no links information.

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This is a overview of everything needed to reduce debt. Lost word file for not sure of links.

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Some debt is need while there is debt to avoid. Determine how much debt can afford so not to put stain on the budget.

Article Link:
https://www.investopedia.com/articles/pf/12/good-debt-bad-debt.asp By Lisa Smith  https://www.nerdwallet.com/article/mortgages/debt-to-income-ratio-calculator

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