What can be more depressing than knowing that no matter how long you stay at work and do extra income, the moment you receive your paycheck, it couldn’t cover on the monthly bills and expenses? You look for ways to resolve the problem. At this point, you may have exhorted everything and overextended yourself with debt. What could be worse when all you depend on are these prepaid credit cards with those hidden fees? You need to take action and take this 5 step approach to this situation and solve this problem immediately.