Finances troubling you? Are on the edge of financial ruin? Thinking of bankruptcy? Here are some ideas to help you get back on track.

Get serious. We all have tough times, but you cant ignore or hide from your finances. Unfortunately, this problem wont disappear, but the money will.

Make some changes in your finances. Look at your budget and alter your spending. Stop eating out as much, get rid of things that cost you extra each month and adjust your thermostat.

If the credit card ills seem too high, give them a call and ask for a reprieve. Usually theyll give you a lower interest rate for 6-12 months. Thats just free money while you are paying off the debt.

Some experts think you should have a cash cushion for emergencies. They say keep three months of living expenses in a savings account. But lets get real. If you had that much money, you probably wouldnt be in this mess. Start modestly at $50 a month and let it build. Changes are, youll need the money before the 3 months of earnings is accumulated, but who cares? At least you had a stash to go to.

Set goals and write them down. You must write them down on paper, stick them to the fridge or wall, and make plans on how you can reach these goals. It can be a simple palm, $1000 in savings by the end of the year. Then calculate how much from each paycheck you contribute. Or you can say Ill pay off this visa in one year - and stick to your goals. Youll feel better and so will your wallet.

I hope these ideas can set you on the right path. The bankruptcy path isnt always the best way out. Take charge of your life, not charging your life.