Tim Saighani

Living with financial trouble is about more than just juggling monthly payments and dodging calls from creditors: It has a far-reaching impact on your happiness, health, relationships, and overall quality of life.

If you’re in debt, you want to get back on track with your finances, or you simply want to keep moving forward on the progress you’ve made thus far, here are eight financial goals you can set to guide yourself to firm financial footing.

No matter your situation, it’s critical to ensure that you’re taking every step necessary to protect and defend your rights – so don’t sit on a lawsuit hoping it will simply go away. It won’t!

Committing to financial health isn’t easy and involves a long-term commitment, as does kicking bad financial habits like overspending, putting items on credit, and unnecessarily taking out loans for nonessential consumer items.

There are certain signs that indicate you might have a debt problem – and paramount to any debt relief plan is recognizing, and acknowledging, that you have this problem.

Here are the top warning signs to look for before engaging a debt relief company to help you find financial freedom.