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It can be all too easy to end up in debt and especially during the current times of financial uncertainty you may find yourself unable to make repayments. Consolidating your debt can make your debts easier to manage and lower your interest charges meaning you become debt free faster. If you are finding debts from credit cards, personal loans or store credit are getting hard to manage then you may want to consider debt consolidation.

Debt consolidation involves the use of a debt consolidation loan or credit card balance transfer to bring all your debts into one place. There are a number of reasons to consider debt consolidation. Easier to Manage: One of the main reasons is that having multiple credit cards or loans is difficult to manage. It's hard to see your real financial position and with so many bills you can easily miss bill due dates leading to penalty charges and possible a reduction in your credit rating.

By having just one credit card or loan you can see how much you owe, what interest you are paying and ensure you make all payments on time. Lower Interest: Cutting your interest payments is another top reason for consolidating debt. You can do this by moving money owing on high interest credit cards onto a low interest balance transfer offer or debt consolidation loan with a low ongoing rate. When choosing a debt consolidation products there are a few things that you should think about.

Highest Interest First: Make sure you consolidate and pay off the credit cards or loans with the highest interest rates first. If you can't get a consolidation loan or transfer large enough to cover all your existing debts then make sure you consolidate the debts with the highest interest rates first. Longer Term Offers: If you think you are going to need a fair amount of time to pay the debts off then make sure the consolidation offer will allow you to do this.

When choosing a product to consolidate debts then you make be able to choose between a balance transfer or a dedicated debt consolidation loan. If most of your debts are credit card based then using a balance transfer may be the simplest option. If you are dealing with other debts such as auto loans and store credit then a debt consolidation loan may be a better option.

Don't forget that consolidating debt does not pay it off. You are still going to have to make monthly repayments and the debt still exists. If you want to get out of the problem then you will probably need to make a few changes to stop the problem from happening again. Think about starting out by making a household budget and look for areas where you can cut back. With this all round approach you should be on the road to ridding yourself of your money worries.

A credit card balance transfer is the transfer of the balance (the credit left) in a credit card account to an account held at another credit card company. This process is actively encouraged by almost all credit card issuers as a means to attract new customers. Such an arrangement is attractive to the consumer because the new bank or credit card issuer will offer incentives such as a low interest or interest-free period, loyalty points or some such other device or combination of incentives.

It is also attractive to the credit card company which uses this process to gain that new customer, and of course detrimental to the prior credit card company. An order of payments for every credit card specifies which balance(s) will be paid first. In nearly all cases payments apply to lowest-rate balances first - highest-rate last (however some countries, like Australia and Germany, require that payments are applied to the highest-rate balances first).

Any balance under a teaser rate or fixed rate will be paid off sooner than any purchases or cash advances, which usually have the highest . By avoiding making purchases or taking cash advances altogether, the borrower can ensure they maintain the full benefits of the original balance transfer. The process is extremely fast and can be concluded within a matter of hours in some cases. Automated services exist to help facilitate such balance transfers.

Other similar services do exist, but they may not be free to use. This is the normal on a credit card. The lower this rate, the better for the consumer and the worse for the credit card company . The transferred balance will be subject to same rate as the card's purchase rate.