I know your credit bills are stacking up. You can't pay your rent or mortgage. Your car is about to be repossessed and your wondering if consolidating debt is your way out of clearing your debt problems.

Well, I've got news for you. Consolidating debt is NOT the only problem you have. There's a bigger one.....

The fact that your consolidating debt in the first place?

Sound Harsh?.......you bet!

That's because it is

It's the cold hard sound of responsibility slapping you upside the head! You need proper debt management and it starts with my first debt management tip or better yet, WAKE UP CALL!

You got yourself into this mess and now I'm going to make you face it!

You'll never get rich or even begin to live a decent life unless you legally eliminate debt. But guess what? Simply consolidating debt means all your money problems only become a somewhat more manageable problem. THAT'S IT! Your debt didn't disappear. It just became a smaller monthly payment FOR A MUCH LONGER TERM! What does this mean? You still are in just as much debt as you were before..

Is this a good idea? Well, as a quick fix,... possibly. As long as you choose a company that is REPUTABLE for consolidating debt . If not, you could be getting yourself into even more debt trouble.

By now, you probably don't like me because I just gave you the cold hard truth, but I know it's just your self denial getting you in trouble AGAIN! I could tell you about how I have My act together, but that would probably piss you off even more!

Once you face the facts that consolidating debt is only going to keep your debt problems afloat, you'll start to realize that you need to take more direct actions than just consolidating debt to eliminate credit card debt or whatever your problem is.

You have two options

1/ Change your spending habits!

Reduce all unnecessary expenses. Cut out all unnecessary spending. Stop buying unnecessary useless crap! And start a savings plan - ( and we all know how well these ideas have worked out for you so far, don't we?)

2/ Increase your income!

Ask the boss for a raise. Find another part-time job. Win the lottery. Sell an organ.

or Start creating income online.

Over 1 billion people used the internet in 2005! (source - Nielson Ratings) and those numbers are growing everyday. More and more people are using the internet to buy everyday items and find informational products. Don't believe me? Well, your doing it now aren't you? And so are millions of others right this very second!

What if you could be earning income even as your reading this article? What if you could do it with free income software other "gurus" are charging for? What if you could even teach your kids to do it? Is it truly possible?

Well I'll confess, I am right now! And you could be too.

I'm not going to waste my time explaining where to find this great income tool. If your smart, you'll figure it out. It's super easy to use. I might be very savy at business but I'm no rocket scientist and I use this software it everyday!

So in closing you have to decide which option makes more sense.

Either you take action and start making more money or you keep searching for a magic pill to make your debt problems go away by consolidating debt.