Need debt advice! should i consolidate my car loan and credit cards?
Stop using your credit card first so that you avoid incurring debt immediately after you’ve paid off some of it. It’s hard to live strictly on a cash basis but the benefit of a cash-basis lifestyle is that you tend to spend less and save more. Allocate these savings to your credit card debt. This site may be useful if you really think that you need to consolidate your debt: http://familyfinancialhelpusa.
