If you have decided that some simple planning and budgeting should get you to your debt-free destination then the only advice is to stick to your plan and not incur more debt over the period you intend to repay your debt.
If debt consolidation is the best option for you, you will need to decide on the best debt consolidation lender for you and apply. Ensure that you follow the instructions accordingly and submit all the required information and you should have no problem getting instant approval.
