National Survey

According to a national survey 49% of adults and 66% of students go F's on a test of their knowledge of basic economic principles.

Benjamin Franklin Said:

Think what you do when you run in Debt; You give to another power over your liberty!

Smart Consolidation Moves

Home Equity Loan
If you own a home, and have equity in it, a home equity loan can be a smart move. These types of loans usually carry low interest rates and the interest is tax-deductible. Sometimes there are fees involved, so shop around for the best deal (and lowest interest).

Get a Personal Loan
If you have not trashed your credit rating yet, this is an option for you. Check with your credit union or bank to see what terms they can offer on an unsecured loan. If the interest rate is lower than your credit cards, you will be ahead.

Refinance Your Car
Borrowing against your car is an option if your have equity in it. If you do have equity in your car be careful not to borrow more than you can pay back before your car dies.

Cut Up Your Credit Cards
I can't say it enough time; CUT UP YOUR CREDIT CARDS!! They are not your friends!!