In budgeting, you need to have a clear understanding of things you need as opposed to things you want. Often, if someone facing a credit crisis is willing to forego some wants, they can be successful in saving and paying back debts. If you have more questions, you can call the United Way's helpline at 1-800-427-4626 or 2-1-1 for information about trusted community resources in the Greater St. Louis area you can turn to.
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