i want to pay off all my bills and just have one bill in one
211308
If you are a home owner, you can get a "Home Equity" line of credit through your financial insitute against the equity you have in your home. Maybe they can incorporate your mtg payment and the other into one! Or You can also apply for a credit card that will let you transfer debt and get cash money. Pay off everything and have your one payment!!
587839
pay yourself first. decide how much you want to save and pay youself in savings first then pay your bills and have whatever is left over to spend.
358931
I would suggest first looking at your expenses and try cutting some costs.  Try to come up with an extra 100 dollars (ex. Don't eat out as much, carpool, bring lunch to work).  \nNext take all other payments you are making to other debts and bring them down to the minimum payment.  The next step is to apply all the excess that you were paying and the extra $100 you came up with towards the credit card.  As soon as you do this you will see a significant difference in your balance. Once that card is paid off, take all that money that your were applying to the credit card and pay off your next debt.  This is a great way to quickly get out of any kind of debt.
416854
stick ur  $$28.88  in da bank and keep doing that then ur have a lot of $$$ at end of year
545999
Try not to spend on the cards anymore. That's the most important factor.\n\nCan you sell stuff? Ebay or whatever, you'd be surprised what people buy. Any income, pay it off your cards.\n\nEconomise on your expenses. It's possible to eat pretty cheaply y'know. \n\nIf you're making all your payments, then your credit rating is probably OK. See if you can transfer any balances to lower interest cards. Make SURE you close the old cards off - call them to cancel the accounts. \n\nMake minimum payments on all but one card. (The one with the lowest balance). Overpay that one. Even a few bucks will make a difference. Another thing that makes a difference, even if it's only a dollar or two a month is to pay early. Make sure that the card payments go out as soon as you're paid. Then you know how much you have left and they'll charge you less interest. \n\nBut won't it feel good to have even one card paid? When it is, hit the next card. It will take a few years.
509559
You have several reasonable options:\n\n1. Go to your bank/credit union/financial institution, and ask if they would be willing to loan you the full amount necessary to consolidate all of your debts into one account.\n\n2. Find a low interest credit card, with a low to no interest introductory rate, and consolidate all of your loans on the one card.\n\nIf your credit rating is not so good, and neither of the two above options can work for you right now, it'd probably be best to continue paying your separate loans in a timely manner, until your rating improves and you have more leverage to get the best loan to ask your creditors to reduce the interest rates tied to your current obligations.\n\nDon't be enticed by these 'debt consolidation' companies.  There are also some great articles on Debt Consolidation Pros/Cons.  Here's an article from bankrate.com: http://www.bankrate.com/yho/news/debt/debtmanageguide/consol-dangers1.asp\n\nI strongly suggest that you visit bankrate.com.  Great useful financial info.
12610
Get a "prepaid" card, which is only good for the amount that you "load" it with.WHen you want to make a purchase, load just that much on the card, make the purchase and relax.  Nobody can take out more than you put in.  If somebody tries, toss the card and get another one
402404
First I would consider consolidation so you can have one monthly payment on everything or refinancing to see if you can lower your payments and if that fails then there are two types of bankruptcy chapter 7 where you get to keep everything and still pay payments but just really low payments and then there is chapter 13 where you have to give everything up and totally wipe out all of your debt.  But chapter 13 really needs to be your last choice because its kinda hard to start over with a chapter 13.   Hope you figure this out and may god bless you.
93153
You need to budget your money and get a mind-set to allow yourself only so much per account. \nExample: $250 net income/week\n         $100 car\n         $100 food, gas, laundry, etc \n          $50 spending money\nBudget will be tight, but very satisfying when you make your goal. Also, try not to loan out money you may not get back, or will be slow being repaid. Another thing that can make money disappear quickly is taking others out to eat as "your treat"\n\nGood luck!!
208745
trade it in to a dealer running a promo to pay you car off no matter how much you owe
25232
If you don't already have one open a checking and savings account. it is best to go through a credit union they are better and safer in the means they won't screw you over like the others.  Get one or two credit cards and no more than that if you have more cancel them. Opening and closing credit card accounts will lower your credit a bit but in the long run it works to your benefit. I say to only have one or two because too much in credit card credits will also bring done your credit. Don't use them often but say charge dinner on it sometime and then always pay the bill the day it comes, pay all your bills this way. It shows responsiblity on your credit report. And don't look at you credit report more than once a year, it also lower your credit.
39108
That makes sense. I can not pay my bills, So I will Quit My Job???\nThe Best Idea Normally is Take Everything that you have and pay off everything that you OWE. \n\nStop Buying things. ANYTHING that does not Keep you alive.\n\nGo live somewhere cheap. Eat Cheap, Drink Cheap, Dress well enough to keep your Job. Get Another Job. Pay Off Your Bills instead of going out on the town.
276277
<sarcasm>\nVote for Frank Castle's Answer.  He's the self-proclaimed "Top 3 Answerer in Business & Finance"...even though he didn't answer your question at all.\n</sarcasm>\n\nGet your bills together and sort them out.  Find out what the absolute minimum you can pay on all of them is.  Pay the minimum amount on all of them EXCEPT the smallest one.  Pay as much as you possibly can on that smallest one.  Do that every paycheck until it's paid off.  \n\nOnce that's paid off, take the money that you were paying towards that first smallest bill and combine it with the minimum for the next-smallest bill you've got.  Do that until it's paid off.\n\nNext, do the same thing with the next-smallest bill.  Take all the money (from the first and second bill) that you were paying the second bill off with, and combine it with what you were paying on the third.\n\nThis "snowball effect" will have you out of the hole before you know it.
513606
The first step is to stop using the cards!  I keep my credit cards at home in a safe place so that I do not get tempted to use them while I am out and about.  Once you have done that, the next step it to look at your budget.  You can easliy make a spreedsheet  in excel to keep track of what you pay each month.  When you know how much you HAVE to spend (like rent, food, gas, etc) then the money left over goes to things such as credit card bills and extra spending money.  What works for me is to start paying off the smaller bill first...I like to see that I have completed something.  That way, you also have more money to pay on the larger bills.  Only in extreme cases: try to tranfer the larger balances to another card that has a smaller interest rate.  If you do that, CANCEL the cards that you just zeroed out.  That way, you will be paying less....but you should CANCEL the zero balance card.  It would be good to just have one credit card for emergencies.
171486
i would go wipe out all my bills lol
239581
First, cancel your debt consolidation contract (if you can).  Many of these companies will simply let your accounts lapse just so they can try to settle the debt.  \n\nSecond, get out of debt yourself.  Otherwise, you've never changed your behavior which got you in debt in the first place.\n\nFinally, go buy a book called 'Total Money Makeover'.  This book will teach you how to eliminate your debt.  You can also consider a class (taught by the same person that wrote the book) called 'Financial Peace University' (see www.daveramsey.com).  My wife and I took this class in 2004 and are now debt free (except our house).  The average family taking this 13 course pays off $5,800 and savings $1,200.  \n\nContact me if you want specific help.  My wife and I now teach this class and have seen many people eliminate a ton of debt.  \n\nScott.....
387091
Pay off my student loans, buy a house, help out my family, and then travel.