Dade County residents who have fallen behind on their bills may be feeling stressed out over creditors calling them and confused over the best path back to financial solvency.
The first thing they must do is get an accurate picture of their finances. To do this, it's necessary to list all necessities of life -- housing, food, utilities, health insurance and car expenses. Cable is not a necessity, and expensive foods like steak and seafood should not be on the grocery list when facing financial difficulties. Entertainment, too, takes a back seat until the financial picture is rosier.