What gets in the way of financial success? First, "Pride". You are too proud to admit you need help. You are too proud to admit you may need to consult a professional. You are too proud to admit you may need to file for bankruptcy.
Secondly, "Procrastination". You keep putting off trying to solve your financial problems. Maybe you will win the lottery. Maybe the credit cards will go away. Maybe the collection agencies will stop calling. Maybe, maybe, maybe.
Third, you think of yourself as "Poor". You keep thinking you just don't have enough money to solve your problems. You think of yourself as too poor to consult a professional.
How do you reverse these failures? First it takes a smart personal to admit they need help. So, sweep that foolish “Pride” away and replace it with your smarter self. Your smarter self admits you need help.
Secondly stop “Procrastinating”, stop putting off until tomorrow what you can solve today (yes, that old adage is so true).
Third, regardless of the amount of money in your wages, there may be a path to financial freedom. A good professional can evaluate your financial situation and help you find a path to success. It may be debt consolidation. It may be bankruptcy, or it may just be cutting back. Every situation is different, but there is an answer. It may not be the answer you want to hear, but there is an answer.
Lesson Learned: Contact a professional. Many provide an initial free consultation, so it may not cost you anything to get started!