Your gut instincts might be an invaluable asset when you're trying to figure out what to order for dinner or what movie to go to, but it's not going to help you out when it comes to your money! Research and facts are what you need to get a handle on your finances: and getting a handle on your finances should be top on your priority list. Do a detailed review of what money you have: and more importantly, what money you owe. You will catch things just in time if you act now.