Sometimes, people find themselves in need of some debt counseling. Finances get out of hand and before long, the money runs out before the month is up or all the bills are paid. When this becomes an ongoing problem, it's time to consider debt counseling.Debt counseling companies can walk you through steps to help you learn better money management, or they can arrange a debt management plan for you. Often, money management will resolve your problem. You can learn about budgeting, cash flow, and controlled splurging through debt counseling.BudgetBudgets help you organize your money and keep it under control. It lists all of your monthly income and expenses and then assigns every incoming dollar to an expense, even if it's savings. When you make a budget, be sure to pay your tithes, necessary