Write an article based on this "Reduce your credit spending. Work out a long-term repayment plan. Make larger payments now. Use the “waterfall method” of debt repayment."
article: You will not be able to reduce your payments if you continue to accumulate more debt. Figure out a budget you can stick to, and avoid using credit credit cards, taking out loans, or taking on any other form of debt.  Take some time to track your spending habits, so you can see where your money is going. Try hard to to stick to your budget and avoid living beyond your means. Limit how often you eat at restaurants. Prepare meals ahead of time and bring your own lunch. Limit superfluous expenditures. Consider cancelling streaming services or moving to a lower data plan on your phone. Avoid making any large purchases until you can successfully reduce your debt. Contact each of your credit card companies and/or loan providers and ask if you can work out a new repayment plan. Doing this may help you avoid late fees and default, while lowering your monthly payment.  You might say, “I am no longer able to make these payments successfully. I would like to create a new repayment plan, so that I don’t fall behind.” Many creditors offer special plans for individuals experiencing economic hardship. Sometimes these plans will require you to close your account. Although it may seem counterintuitive, paying more now will allow you to have lower payments later. If it all possible, try paying more than the minimum amount due. The best way to lower your monthly payments is to reduce what you owe overall. One method for getting out of debt involves prioritizing your highest interest debt. To do this, figure out which of your debts holds the highest interest rate. Pay only the minimum monthly amount on all of your other debts, and put as much money as you can toward your highest interest debt, until it is paid off. Once your highest-interest debt is paid off, move on to the debt with the next highest interest rate.

Write an article based on this "Determine whether you need a family-law attorney. Determine the venue. Search for a family-law attorney in the county where you will file your case. Do some research. Talk to friends and family who are familiar with any of the attorneys on your list. Check online reviews. Narrow your choices. Call your top choices."
article: The first step in finding the right attorney is realizing that you need one. You also need to know which specialization your situation calls for. If any of the following apply to you, you would benefit from hiring a family-law attorney:  You are considering a prenuptial or postnuptial agreement before getting married You are considering divorce, annulment, or legal separation You need to modify a divorce agreement You need guidance on child custody and support You are considering adoption You need help with a restraining order Normally you will bring a legal case in the county where both parties live or in the county in which the opposing party lives. For example, if you are filing for divorce, you would want to file in the county where you or your spouse live. Most of the time legal cases will be handled by the county in which the plaintiff (the person filing the claim) lives. There are exceptions to this policy, such as when the individual is in the military or resides in more than one state. Begin making a list of possible attorneys as soon as you have made the decision to file a claim. The sooner you make a list and begin your search, the sooner you will have proper legal guidance. Attorneys who are familiar with the judges, court staff, local customs, and other attorneys involved locally in family law will best be able to serve your needs. Look for attorneys located in the county where you or the other party will file. You can find attorneys several different ways.  The American Bar Association maintains a database of local bar associations.  Most will  have free referral services that can recommend qualified attorneys. These referral services often include a free consultation. Use your state’s bar association website. Each state bar association keeps a directory of attorneys on their website. Many of these sites, such as that for the Ohio State Bar Association, are searchable by both location and specialization.  The state bar website may also list any disciplinary action that has been taken against an attorney for improper conduct. Use a public-interest website. For example, LawHelp.org focuses on helping low-income individuals find attorneys.   Use an online directory. Many websites offer searchable directories of attorneys. Popular directories include those found at Lawyers.com, LawInfo.com, and FindLaw.com. Use more than one directory to get the best results.   Check the local yellow pages. Look at the attorney ads in the yellow pages of your phone book. Write down any contact information for those who advertise family-law services. Also check for a family law sub-category, such as divorce, mediation, adoption, or guardianship. Use your favorite search engine to search for local family-law attorneys. Ask for a recommendation from family or friends who have experienced the same problem you’re facing. You may be able to get a good sense of whether a particular attorney will suit your needs.  Ask your attorney for a referral. If you already have an attorney for other matters, but you need one that specializes in family law, your attorney may be able to give you some reputable choices. Some simple online research can serve as a background check of sorts and provide a wealth of information about some of the attorneys on your list. Others may be difficult to locate online.  Some things to look for include:  Websites. Most attorneys will have at least a basic website that lists their practice areas and contact information. Others will have websites with detailed information about their specializations, experience, and qualifications. Social media profiles. Run a quick search on Twitter, Facebook, Google+, and LinkedIn for each of the attorneys or law firms on your list. Social media profiles and status updates can provide information about a person or business. News stories and press releases. These can be great sources of information about individual attorneys and law firms. However, when reading press releases, take them for what they are: public relations stories about the attorney or law firm who wrote them. Ask them  what it was like dealing with the attorney in question. Bring up any attorney that you may be considering based upon your initial research. Keep in mind that if you ask them about their experience with an opposing attorney -- for example, the attorney who represented the “other side” in a divorce case -- their opinions may not be entirely objective.  Ask your friends about the nitty-gritty of their experience working with their attorneys. Were they transparent regarding their fees and services? Were they punctual for  appointments and available for questions? Did they provide answers and seem informed? Whenever possible, check online reviews for the attorneys you’re considering. It’s good to have as many sources of information as possible before you make your decision. Some sites offering attorney reviews include Avvo, Findlaw, Lawyers.com, and Martindale-Hubbell®. Once you have gathered the information above, use it to come up with a list of your top two or three choices. The factors that help you narrow your choices will depend on your personal situation, finances, and your "gut feeling" about an attorney.  If you've asked for references from others and researched those references online, you should have a decent sense of who will be good candidates. However, you should definitely arrange to meet with at least two attorneys in person before you make a final decision. It's important to test your personal interaction with an attorney before you hire him or her. Some attorneys may offer a free preliminary consultation on the telephone, even if they charge for an in-person consultation. If your choices offer a telephone consultation, take that opportunity to ask questions such as:   whether the attorney charges for in-person consultations what handling your case is likely to cost whether fees are negotiable and what payment plans exist how long the attorney has practiced whether the attorney has handled cases similar to yours whether the attorney can provide you with references from other clients what outcomes are possible in your case who will have the primary responsibility for handling your case what information you should bring to your in-person meeting

Write an article based on this "Soothe and replenish your spirit. Keep everything simple. Take your time."
article:
Quiet your mind.  Sit quietly to free and empty your mind of thought.  Rest frequently.  Find a comfortable spot to unwind, relax or take a nap. Being well-rested is crucial to your mental and emotional well-being.  Learn to meditate. Mindfulness meditation will help you to focus on your spiritual wellbeing, and can ease the anxiety and stress that hinders your inner peace.  Free yourself of stress and worries. Inner peace is easier to achieve when you simplify your life and your to-do list. Try not to do everything at once.  You can do anything you want, but you don’t have to do everything at once. Achieving inner peace is a process; take the time to experience and enjoy your own personal journey. Don't be discouraged if the process takes a while; there is beauty in the process of becoming. Especially if you are recovering from emotional or mental trauma, allow yourself to experience the process of recovery. You can achieve inner peace and live a purposeful, self-directed life when you take the time to recover fully.