You have studied your financial picture carefully, and you realize that there is simply no way to make ends meet. You just can't pay all your bills. Maybe you're not ready to consider filing for bankruptcy and you don't want to use a credit counselor. What can you do? Fortunately, there are many steps you can take on your own to deal with your debt problem. Learning how to handle your finances and your debt is the first step to financial freedom. United Kindom Resident?
Consolidating debts

There are many ways to consolidate your debts. You might find a credit card with a high credit limit and a low interest rate and roll all your credit card balances onto the new card. Another way to consolidate debt is with a collateralized bank loan or home equity loan. You can also utilize the services of a debt negotiator for settlement and debt reduction.

A Few Debt Tips

-Always have cash on hand
-Pay your essential debts first
-Refinance to reduce debt cost
-Notify creditors of problems
-Negotiate with your creditors
-But, don't expect perfect results
-Do not write post dated checks
-Do not write bad checks.