Most people that have consistent bad credit, do not have written budgets. In the e-book My Credit is Bad! I Want to Fix it Now! (Revolutionary Credit Repair), people learn how to make budgets that fit their financial situations. After reading the section on budgeting, many people not only learn how to cut spending by $100 to $500 a month, they pay off debt and improve their credit. To get started, a person can click on this link www.tiredofbillcollectors.com/products/.