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You don’t need to consolidate your bills—you need to delete them.To do that, you have to change the way you view debt!If that’s not bad enough, you’ll end up shelling out ,080 to pay off the new loan versus ,392 for the original loans—even with the lower interest rate of 9%.This means your "lower payment" has cost ,688 more.In fact, you end up paying more and staying in debt longer because of so-called consolidation.Get the facts before you consolidate or work with a settlement company.

But you don’t need a bank loan to consolidate debts.You don’t need a loan to eliminate credit card debt.A debt management program consolidates all your credit card bills into one, lower monthly payment at a lower interest rate. The traditional method of consolidating debt is to take out one large loan from a bank and use that money to pay off several smaller debts.Most of the time, after someone consolidates their debt, the debt grows back. They don’t have a game plan to pay cash and spend less.In other words, they haven’t established good money habits for staying out of debt and building wealth.

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