Okay, so you have decided that your debt is manageable but you simply need a plan you can stick to.
The best advice is to draw up a proper budget, from which you work until your debt has been repaid.
Should you decide that a debt consolidation loan is needed for financial freedom, you will have a bit more planning to do.
There are a host of online debt consolidation lenders that offer convenient, speedy and professional services. Online loan applications also make the process as easy as possible. The trick is to find the best online lender to suit your needs. Make sure that you understand all the services, fees and interest rates related to your lender of choice.
Before approaching your lender ensure that you have a detailed credit report so that you are in a position to cover all your debt. Calculate a reasonable amount you can afford to repay your consolidation loan. This information will be needed when applying for a debt consolidation loan.