This is it folks! The year 2007 is the year to take control or your spending, get your financial ducks in a row and stop living pay check to pay check.
Sounds like a great idea! How are you going to dig yourself out of that olympic size hole you have dug for yourself? Debt consolidation may be the first step in reaching for that life preserver. What are the alternatives? Bankruptcy ? (Bankruptcy will remain on your credit history for 10 to 13 years.) Continue paying the credit card companies 21% interest for the rest of your life? Winning the lotto?
If you have been treading water in an olympic size pool of charge cards and debt for years, it will take some planning and determination and probably a change of life style. Debt Consolidation might be the life preserver that will help you get a grip on your finances.
Many companies offer debt consolidation loans. To find one that you will feel comfortable working with, do a little research. Call several companies and ask to speak with the loan offices. Ask them what commissions they charge, what are the fees involved and what will the interest rate be. Let them know that you are shopping around and that you will be giving your business to the company that offers the best deal.
Remember, you are making a change to “take charge” of your finances. Don’t be bullied into signing with the first company that you call. There are many to choose from, find one that you are comfortable with and one that treats you with respect.
Now………..make that call, take the first step in climbing out of the ‘hole’!
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