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Q: My partner and I have decided to seek credit counselling. We're pretty nervous. What should we expect?

Diana says...
Kudos to you for having the pluck and the smarts to seek counselling! You're already headed in the right direction just by making that decision. For starters, talking to a credit/debt management counsellor is painless. They are in the people business, so expect personable and drop-dead practical advice. With their computer wizardry and objectivity, they'll punch in your set monthly expenses (you sketch this ahead of time), along with variable expenses, such as entertainment and food, and show you where your money is going and how you can reduce those expenses. Good luck!

Diana Cawfield is an award-winning financial writer with more than 10 years of experience. Click here to send her your questions.