While I’m off spending some much-needed time with my family, here’s a transcript of a recent online discussion with readers. It covers a potpourri of personal finance issues many people face.

Q: I keep seeing commercials for companies claiming to get you out of debt by reducing interest rates and providing low monthly payments. Do these companies really get you out of debt like they claim?

A: If you need help with your debts, go to www.debtadvice.org. So many people are in credit card or debt trouble that lenders are not as willing to negotiate as they once were. Many of the companies you see advertising are trying to get you to sign up for a debt management plan and will charge you too much for that plan. In some cases, they charge what all your debt payments total for a month.

Heck, you could take that money and pay a creditor yourself. If you need that kind of help, find a plan that doesn’t cost more than about $50 to set it up and $25 in monthly fees.

Q: I am two (albeit very large) payments away from paying off my credit card. I had huge debt, and it’s almost gone. I have no savings, but soon I will have no debt and then the savings can begin. I can see the light, Michelle, and it feels great. Having this debt on my shoulders has been awful. I’ve learned my lesson, and I will never do it again.

Now, my question: How long does a girl have to wait to buy a house? I’m tired of renting. Oh, and I’m getting married.

A: Wait. Save with your honey and soon enough you will have enough to buy a home.

Q: What is the best way to learn to budget and get your finances in order? I do not budget and when I try it seems confusing and overwhelming.

Please help. I want to be able to manage my money better.

A: I know a lot of folks would agree with writer Mason Cooley when he said, “A budget takes the fun out of money.” Get what I recommended a while back in my Color of Money Book Club, “Quick & Easy Budget Kit” by Jennifer Openshaw. (For now it’s just $4.95 for shipping and handling at www.freebudgetkit.com.) The kit includes a CD and workbook that can be used together or separately.

A budget puts more fun in your life. A budget is just a road map of what you are doing with your money. Don’t fear it.