How do i consolidate my debt without getting scammed?
I would not suggest you create debt to pay debt, but that’s a personal decision. You are going to be much better off in the long run if you create a plan and live by it. Decisions become easier because you have set guidelines and you will feel guilty about not staying within them. I am in America so I will talk in terms of $. First get $1000 in an emergency fund as soon as you can and don’t touch it unless its an emergency. Sell something, do odd jobs, whatever it takes. The list your debts lowest to highest balances, (not rate). Lower your lifestyle to beans and rice and start with the smallest and throw money at it until its gone while paying minimums on everything else. Then move on to the next. I would buy the cheapest vehicle you could get to get you around while you do this. Start a car fund if you want but get that debt paid off. Pay cash for cars till you work up to one you want. Living debt free is a freedom that few enjoy these days. You are then in total control of your mone
