Having multiple debts with different interest rates, payments and due dates can make managing your finances challenging. Fortunately, you may be able to simplify your debt payments by using a debt consolidation method. But before you do, understand the pros and cons […]

The first step in managing your debts is to get organized. Write down all your debts. This includes priority debts, such as your mortgage or energy bills. Then, list each one by interest rate and repayment frequency. You can also add short-term […]