Debt consolidation is a good first step in managing personal finance and getting out of debt. Remembering one monthly payment is easier than trying to manage multiple bills, and one sum is easier to budget for.

Credit Card Debt

The first step in debt consolidation is to take a look at credit cards. Unsecured debts such as credit cards tend to have the highest interest rates, and are therefore the most expensive to carry.

Lay out each credit card on a table, and underneath each one write the following information:

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