When life becomes as it were sort of riddled with debt, things start to go a bit hay wire, and managing all the different separate entities of debt becomes something of a worry and even the question of having an adequate memory to remember all the debts can become a problem in itself.
One credit card is often very handy, but when a number of credit cards builds up life becomes a constant struggle.
Taking a stroll in the centre of town one night, you notice a extremely large sized television and you cannot wait to visit that very same store the next day to buy the television that costs arranging hire purchase to buy it at a cost of 300 monthly.
Perhaps the 300 monthly is an OK figure but there are all the other credit card and loan payments to be made that seem to have slipped your little mind.
One lunch you meet your usual friends at the French bistro and the conversation turns to holidays . One of your pals has just come back from the USA and as it was her tenth wedding anniversary nothing was too expensive and it was luxury all the way from the hotels to the meals and the expensive tours. It sounds so exciting that you decide to go into the travel agents and arrange the same desirable trip for you and your husband in July.
You take a bank over draft at a high rate of interest to pay for this dream vacation further adding to your debts.
Suddenly you are aware that you have too many different debts that you can neither manage or comfortably afford, and this is when debt consolidation comes into play.
Debt consolidation is the combining off all credit card debts and loan debts into the one and leaving one much cheaper monthly payment in their place.
Homeowners can best arrange debt consolidation by taking out low interest remortgages from 1.84% or secured homeowner loans from about 9% which will clear all the other debt.
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