OVERRIDE

Help! I Can't Pay My Bills

Surviving a Financial Crisis

St. Martin's Griffin

In this age of skyrocketing personal debt, more and more Americans find themselves facing a financial crisis. CPA Sally Herigstad provides the strategies you need to take charge of your financial problems and get back on your feet. This clear, step-by-step guide will get you started on your way to financial security. You'll learn to:
 
*Create a realistic plan for reaching your financial goals
*Find cash you didn't know you had
*Talk to creditors when they call
*Build - and stick to - a budget
*Get help with catastrophic medical bills
 
No matter how you got into a financial crisis, it's never too late to take steps to turn things around. This book will help you take charge of your finances - and your life. Sally Herigstad is a certified public accountant living in Kent, Washington. She has written numerous articles for Microsoft's MSN Money Web site.

BOOK EXCERPTS

Read an Excerpt

Chapter One How Did We Get Here? Twenty-five years later, I still remember the day I got my first call from a collection department. I was a young stay-at-home mom. Our income had gone from sporadic to almost nonexistent in the recession of the early '80s, and the bills were piling up. By the time any money came in, it was spoken for many times over. I made a little cash watching two other babies along with my daughter. If I went to the grocery store with a twenty-dollar bill from babysitting, I thought I was really flush. I dreamed of being so rich someday that I could go to the grocery

( ! ) Warning: Invalid argument supplied for foreach() in /mnt/nfs/nfs01/www/sites/sharedcode/supadu_core_live/application/views/scripts/apps/renderings/_folio/bookdetails/macmillan/includes/book-excerpts-section.phtml on line 26
Call Stack
#TimeMemoryFunctionLocation
10.0005235440{main}( )../index.php:0
20.01371195224Bootstrap->start( )../index.php:14
30.07535479696Zend_Controller_Front->dispatch( )../bootstrap.php:86
40.08005816024Zend_Controller_Dispatcher_Standard->dispatch( )../Front.php:954
50.184810036408Zend_Controller_Action->dispatch( )../Standard.php:295
60.184910043536PageBaseController->viewAction( )../Action.php:513
70.190810167712Zend_Controller_Action->render( )../PageBaseController.php:305
80.190910168136Zend_Controller_Action_Helper_ViewRenderer->render( )../Action.php:212
90.191210169072Zend_Controller_Action_Helper_ViewRenderer->renderScript( )../ViewRenderer.php:918
100.191210169312Zend_View_Abstract->render( )../ViewRenderer.php:897
110.191310186360Zend_View->_run( )../Abstract.php:880
120.191610205864include( '/mnt/nfs/nfs01/www/sites/sharedcode/supadu_core_live/application/views/scripts/page/view.phtml' )../View.php:108
130.197910266440Zend_View->partial( )../view.phtml:10
140.197910266880Zend_View_Abstract->__call( )../view.phtml:10
150.197910267320call_user_func_array ( )../Abstract.php:342
160.197910267744Zend_View_Helper_Partial->partial( )../Abstract.php:342
170.198010271528Zend_View_Abstract->render( )../Partial.php:105
180.198010288264Zend_View->_run( )../Abstract.php:880
190.198310304960include( '/mnt/nfs/nfs01/www/sites/sharedcode/supadu_core_live/application/views/scripts/page/core/default_1_canvas.phtml' )../View.php:108
200.198410307976Zend_View->partial( )../default_1_canvas.phtml:6
210.198410308416Zend_View_Abstract->__call( )../default_1_canvas.phtml:6
220.198410308856call_user_func_array ( )../Abstract.php:342
230.198410309280Zend_View_Helper_Partial->partial( )../Abstract.php:342
240.198510314264Zend_View_Abstract->render( )../Partial.php:105
250.198510330984Zend_View->_run( )../Abstract.php:880
260.198510331272include( '/mnt/nfs/nfs01/www/sites/sharedcode/supadu_core_live/application/views/scripts/canvas/view.phtml' )../View.php:108
270.198610332720Zend_View->partial( )../view.phtml:7
280.198610333160Zend_View_Abstract->__call( )../view.phtml:7
290.198610333600call_user_func_array ( )../Abstract.php:342
300.198610334024Zend_View_Helper_Partial->partial( )../Abstract.php:342
310.198710338032Zend_View_Abstract->render( )../Partial.php:105
320.198710354752Zend_View->_run( )../Abstract.php:880
330.198710355040include( '/mnt/nfs/nfs01/www/sites/sharedcode/supadu_core_live/application/views/scripts/snippet/view.phtml' )../View.php:108
340.198710356680Zend_View->partial( )../view.phtml:7
350.198710357120Zend_View_Abstract->__call( )../view.phtml:7
360.198710357560call_user_func_array ( )../Abstract.php:342
370.198710357984Zend_View_Helper_Partial->partial( )../Abstract.php:342
380.198810362216Zend_View_Abstract->render( )../Partial.php:105
390.198910378960Zend_View->_run( )../Abstract.php:880
400.199110382208include( '/mnt/nfs/nfs01/www/sites/sharedcode/supadu_core_live/application/views/scripts/apps/renderings/folio_bookdetails.phtml' )../View.php:108
410.199110383088Zend_View->partial( )../folio_bookdetails.phtml:10
420.199110383528Zend_View_Abstract->__call( )../folio_bookdetails.phtml:10
430.199110383968call_user_func_array ( )../Abstract.php:342
440.199110384392Zend_View_Helper_Partial->partial( )../Abstract.php:342
450.199210387712Zend_View_Abstract->render( )../Partial.php:105
460.199210404480Zend_View->_run( )../Abstract.php:880
470.200610556680include( '/mnt/nfs/nfs01/www/sites/sharedcode/supadu_core_live/application/views/scripts/apps/renderings/_folio/bookdetails/macmillan/us-macmillan.phtml' )../View.php:108
481.108011155952include( '/mnt/nfs/nfs01/www/sites/sharedcode/supadu_core_live/application/views/scripts/apps/renderings/_folio/bookdetails/macmillan/includes/book-excerpts-section.phtml' )../us-macmillan.phtml:809
BACK

REVIEWS

Reviews from Goodreads

BACK

ABOUT THE AUTHOR

  • Sally Herigstad is a Certified Public Accountant living in Kent, Washington. She has written numerous articles for Microsoft's personal finance division, including rewriting and updating a two-thousand-question FAQ for the MSN Money website. Help! I Can't Pay My Bills is her first book.
BACK

BUY THE BOOK

Available Formats and Book Details

Help! I Can't Pay My Bills

Surviving a Financial Crisis

BACK

FROM THE PUBLISHER

St. Martin's Griffin

BACK