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Before taking out a debt consolidation loan, get free advice.

Follow our tips to start to reduce the amount you owe and gradually regain control of your finances.You wouldn't keep your cash in five separate bank accounts. Keep one card in your purse - the one with the lowest interest rate - and cut up the others.Use this one card to keep better track of your spending.To make sure you never miss a payment, set up a direct debit to make at least the minimum payment each month.Call your credit card company and tell them you want to cancel your card as a competitor has offered you a lower interest rate.

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  1. Archaean and Proterozoic high-grade terranes of East Antarctica (4080 E); a case study of diversity in granulite facies metamorphism, in High-Temperature Metamorphism and Crustal Anatexis, pp.

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