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I have been rather fortunate in my life to avoid a few times the need to declare Bankruptcy. While it is true that declaring bankruptcy is one of the worst things that you can do, suffering under debt and just adding more and more credit cards with a higher and higher balance is also a death sentence. Since those bad times in my life I have now become more financially fit but I still have a long way to go.

The BillsIQ online survey gave me a financial score on financial fitness and reminded me of the areas in which I need to improve. My BillsIQ score was about average but I learned that I need to more carefully balance my savings, payments, and investments. If you are having trouble keeping up with your bills, it seems like you are living paycheck to paycheck, or you can never save enough money to get ahead then please visit the Bills.com web site and take the BillsIQ online survey and get your results. Then please carefully take note of the advice that the BillsIQ online system gives you and make sure to start following the advice. Always keep moving forward and paying down debt and maybe one day soon you too can be debt free.

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