happy burtdi chinay <3 pls write an erotic essay para nako. haha 
farewell corporate layp.
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Bills One, Bills All
October 4, 2008Debt is debt, right? It doesn’t matter where you run up ginormous debts on or with - it’s still a debt, yes? The answer is no. If you have long-standing balances on, say, five credit cards, you pay a small fortune in interests and charges alone. Why not consolidate all these debts instead?
Debt Consolidation is the process of replacing multiple loans with a single loan. Simply put, you borrow money - thus putting yourself in debt - to pay off several debts. The good thing about debt consolidation is that while you would still be in debt to an institution, you only owe one entity. Then, too, you put yourself back in good standing with the credit card companies you used to owe money, too. Most importantly, you get to save on interest charges. Debt consolidation loans come with lower interest rates and longer payment periods.
Make no mistake about it, however. Consolidating your bills does not wipe them out for good. Rather, you simply lump them together under the best terms you can find given the circumstances. The good news is that most groups that offer debt consolidation loans also provide counseling. So, on top of getting a loan, you can also get expert help in becoming debt-free someday. Now if only there is also such a thing as stress consolidation, life would be just peachy.
