This month's makeoverWho: Bronwen Aker
Income: $80,000 a year
Assets: Three-bedroom home on national forest land appraised at and insured for $250,000.
Debts: $23,000 in credit card debt; $11,700 in student loans; $10,000 owed in probate fees on grandmother's estate.
Recommendations: If possible, sell the home and buy one away from the forest for $300,000 or less. With other proceeds, pay off credit cards and probate fees. If unable to sell home, reduce rent by $500 by moving elsewhere. Sell grandmother's antiques to save rent on storage facility. Eliminate premium cable subscription. Reduce trips to the movies to once a month. Reduce monthly food bill.
About the planner: Alfred McIntosh is a fee-only financial planner and the founder of McIntosh Capital Advisors in Los Angeles.