If you are examining the state of your credit, and when looking at your finances see that you are in a less than desirable position. Some people take the information in stride, put down there head, and bull their way forward, continuing with their work and looking forward to the day when their finances will be in better shape. Some people respond very drastically, getting depressed, compensating by spending or eating more than they should, or in some other way avoiding dealing with the problem. There is an even better way. Merchants understand that everyone can suffer financial problems, but if their potential clients just give up and never purchase any products, then they will suffer right along with them. For this reason, merchants are very motivated to work with people with distressed finances and are ready to help them.
There are a few steps you can take on your own. Start by carefully looking at your finances and be sure to carefully document all of your assets, all of your long-term debts, all of your revenue, and all of your expenses. Then take a hard look at all of these things. Try to separate your emotions from the process. Pretend you are a counselor helping someone else with their finances. There are four things you are trying to do. The first is to look for ways to increase your revenue. This may be a better job or an extra job. Then look for ways to cut expenses. Is there some service that you can do without, at least for a little while? Then look at your assets. You may have a car, a house, and a computer. Is there some way to use these assets to generate more money? Do you have something like property or extra vehicles that you can sell for cash? Then look at your debts. Is there any way to refinance for lower interest?
Finally, get expert help. With the two of you looking at your finances, you will be able to come up with strong strategies to get your finances back in shape.