If I stopped someone on the street and asked if they had debt, the answer would probably be yes. Every day, millions of Americans get deeper in debt. What used to be the American Dream is now the American Way. We see something, we want it, we buy it. Don't have any cash? No problem, just use credit. Right? Wrong! Credit card debt is spreading across the country in a way that is similar to how a disease or plague might. Infecting buyers who aren't well-informed and making their lives stressful as they try to make ends meet. The infection needs to stop. Now is the time to get good advice on how to combine debts.
Debt consolidation is not a simple solution, but it has been shown to work in the past. There is no magic wand you can wave to make the debt go away. Instead, you have to look at the debt, realise how big it is, and make a plan to pay it off. As the payments are made, the load gets lighter. Slowly but surely, the load gets lighter and lighter until all the debts you racked up without thinking are finally taken off your shoulders.
One smart way to deal with debt would be to look into a consolidation loan, which would combine all the small bills into one big one. The benefit would be that you would only have to pay one bill each month. This is a good thing unless the interest rates on each of your debts are very low. I'm guessing you don't. You can look online for tips on how to combine your debts. There are many qualified credit counselling professionals who can help you make a plan to consolidate your debts and find consolidation loans with low interest rates to replace the many small debts with higher interest rates that you have to keep track of every month. You might even find that you can keep more money in your pocket each month to pay for things you've been skipping.
I know that the advice I found online about how to consolidate my debt was not only helpful for me, but also really changed my life. It was no cost. Free, yes. And it was so easy to talk to the representative and make a plan I could live with. Now, I only pay one bill, and each payment is about half of what I used to pay for all of them together. Try it. You have nothing to lose except the headache you get every time you try to stretch your paycheck to pay all the small bills that are piling up.
