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I let my spending get away from me. Here’s how I’m getting back on track.

“I racked up this debt to cover my living expenses for two years without an income stream.”

“I have steadily increased my assets by more than 10% since being laid off.”

Carrying credit-card debt has become increasingly expensive over the past several years, but some warn that lower interest rates could reduce credit access.

“I bring in $7,200 a month from my pension and disability benefits.”

“What are the negative consequences of a second bankruptcy?”

“We have around $375,000 in investments in mutual funds and stocks with Morgan Stanley.”

“I have $3,000 in gold and Social Security income for me and my spouse makes $46,180 a year.”

“I previously drove a fully loaded BMW X7, and driving a used Lexus feels like a big drop.”