Your family

            To talk to your parents about credit card debt, be straightforward - let them know that you want them to have comfortable future and that while their spending is none of your business, you are concerned. Look for a natural opening - for example, a sudden increase on credit card offers in their mail. Or volunteer to help them with bill-paying or taxes so that you get a closer look at their finances. Offer to work with them, not take over - let them know that they are not alone. If your parents are resistant or become angry, explain that you did not intend to upset them but that you care about their well-being. Don't give up if you don't have success in the first try. Sometimes people need time to consider before they agree.

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