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Are you finally fed up with being burried under a pile of bills you cannot afford? Are you ready to find help with debt consolidation so that you can get out of your current situation and into a better one? Here are a few free tips to help you with your debt consolidation. First, if you know you cannot be disciplined with money and neither can your spouse or partner, then you need to skip every tip here and contact a credit counseling agency because you will never be able to get out of debt without one. Getting out of debt on your own requires discipline, the support of your family, and the changing of your spending habits all together. You will need to be ready to change many things and this can be hard for children to understand, but they will adjust. Now here are a few tips to help you. 1. Set up a budget - Include every possible expense, monthly, weekly, bi annually, annually, quarterly, and anything else you can think of. This includes bills, entertainment, gas, license fees, and pretty much anything you pay for on a regular or not so regular basis. 2. Be prepared to move - If you are living somewhere that is larger than you need or nicer than you can really afford, then you should be prepared to move to a smaller, less expensive place for a while. This is an easy way to find a few hundred dollars each month to use towards your debts. 3. Get rid of one of your vehicles - If you have two vehicles and either you or your spouse can take the bus or you can car pool, then you should sell one of your vehicles so that you can use the money to pay off bills. Plus you will save on your gas as well. 4. Get rid of that new furniture - You don't need it anyway so get rid of the newer furniture and get some older used things that will due for the time being. Also, if you have a really nice television, you need to down grade and get as much as you can out of it to pay towards your bills. 5. When you sell your stuff to help make sure to save - You should use some of the proceeds from your nicer furniture, extra car, television, or anything else you might sell to save. You need a cushion incase of a car repair or some other emergency so that you do not get thrown off and give up when this happens. Also include a saving for this in your budget as well. Get all the information you need on Help With Debt Consolidation here: Help With Debt Consolidation
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