Five Debt Management Resolutions for the New Year

Add debt management to this year's list of New Year's resolutions. It's easy to do-just slip it in there between "lose weight" and "ask for raise." The hard part will be sticking to your debt management resolutions-such as debt consolidation-365 days a year.

Debt Consolidation in a Shaky Market

Uncertainty in the mortgage industry alters the outlook for debt consolidation loans. Homeowners who want to use their equity to consolidate higher rate debt may just have to wait until the mortgage crisis winds down.

Risks of Debt Consolidation Loans

Debt consolidation loans are the financial world's equivalent of a Monopoly "Get out of jail free" card. Like the game card, the loans can only get you so far. Once you're out of debt, it's up to you to stay there-a step that many over-spenders may not be able to take.

Five Tips to Avoid Debt Consolidation

In our free-wheeling, consumption-oriented society, "budget" might as well be a four-letter word. But even though it may not be much fun, creating one-and sticking to it-can be a great alternative to a debt consolidation loan.

Think Twice Before Debt Consolidation

With total credit card debt on the rise, individual consumers are increasingly finding themselves strapped with oppressive debt balances. Some of these borrowers are falling prey to so-called debt consolidators who promise quick and easy debt elimination.

Four Advantages of Debt Consolidation

In football, the best quarterbacks have the ability to call an audible, or change the play, right before the ball is hiked. Debt consolidation is a great way for you to call an audible if debt has blitzed your finances.

Avoid Personal Loans for Debt Consolidation

Consolidating debt can help debt-ridden borrowers climb out from under a serious problem. But using a personal loan for debt consolidation may not be the answer.

Solutions for Debtors

If your debt is overwhelming-if you cringe when you get your mail-it's time to start taking control of the problem.

Three Debt Consolidation Traps

In one of their most famous hits, the Eagles urged listeners to "Take it easy." Sounds reasonable-but for people heavily in debt, what appear to be easy solutions may be debt consolidation traps.

Options for Debt Consolidation

Don't be discouraged if you're in the middle of rocky financial times. People who are deep in debt now have numerous debt consolidation tools at their disposal. With a little legwork, you'll find the right option to smooth out those financial bumps in the road.