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Did you know that millions of people worldwide spend more money than they earn each month? Credit is often used to bridge that gap, and it puts consumers further into debt every year. Debt is often unavoidable, as most people need it throughout their lives to support financial and personal endeavors.
Correspondent stephanie. >> time now for the help desk where we get answers to your financial questions. joining me this hour, doug flynn, certified financial planner and founder of capital management and rob kurtz, executive manager of aol small business. thanks for being here. >> good to we so you. >> first question is from ianna. he writes this, i have had not such grade correct dit due to not making enough money and having too much debt to credit. i have a good job now. i have enrolled in a debt consolidation program about three years ago so my debt to credit ratio is better. is there anyt...