Most of us never see the writing on the wall until conditions have gotten way beyond any conceivable point of return. We never realize how much weight we have gained until our baggy pants are no longer baggy. We also do not realize how fast and far we have managed to get ourselves into debt. That mocha latte at Starbucks on the way to work adds up over time. The occasional muffin every other trip does too. A few new DVDs and CDs for your collection can’t hurt, right? When you buy a two or three of each a month they do; especially if you buy Blu-ray! Running down to the deli for lunch tends to add up as well. It’s nice to be able to give people nice gifts too; the look on their face can make it all worth it. In time, the lattes, muffins, and everything else tends to add up. Without knowing it people tend to spend a lot more than they realize. So you like to live it up a little? You work hard; you deserve to play! Can’t be doing too much damage if you are making all your credit card, house, and car payments, right? That could not be further from the truth. Recent mortgages tend to have people pay heavily on the interest at first. So all that time you think you are building equity you really aren't. As vehicles become more reliable they are starting to cost more, too. With dealerships willing to approve almost anyone (some at more extravagant terms than others) it can be real tempting to get a really nice new ride to go along with your new job. Credit cards tend to really kill people. If you pay off the balance each month than your okay and don’t really need to be reading this blog. However, if you are like most of you tend to run a balance each month. Chances are you have a few credit cards that you do that with. It doesn't take long for the interest and fees to add up on most credit cards. Before you know it those four dollar lattes and ten dollar CDs are costing much more than you paid. Most people tend to believe that just because they are making their bills that they are doing okay. What they fail to realize is that just making the payment is the beginning of the end of your financial security. What if your car breaks down? What if you need surgery? What if you lose your job? Just paying the bills each month is a surefire way to leave you open to future financial difficulties. If you're struggling to keep your head above water and are starting to feel the pinch, it may be time to sit down with a bankruptcy attorney. The Law Offices of John T. Orcutt offer a free initial debt consultation. Call today to learn about your options. Don't wait until it's too late.