Gettting out of debt is not easy but I am considering loan consolidation to help me deal with my financial situation. I can do a simple debt consolidation under a new loan or enroll in a debt consolidation program.

I want to get rid of my credit card debt once and for all! I know it's not going to be easy and will take a lot of time, 2-3 years maybe but I'm tired of living on the bring of financial ruin. I am going to consolidate my debt and get a low interest credit card. I'll use the credit card only if I can't pay by cash or debit. I just have to do this!

I talk about making change but never do anything about it. I am getting to the point where I am truly tired of doing the same thing over and over. I want to be the best that I can be and this is going action and support.

(This is actually a change I decided to make last month.) Young man decides to quit his spending ways and begin investing his hard-earned money wisely. He selects cost-efficient index funds that are entirely managed online to reduce paper consumption.

1. Reduce water and electricity consumption by 10%. Estimated savings: $200
2. Cancel unread magazine and newspaper subscriptions. Estimated savings: $100
3. Mow my own lawn. Estimated savings: $150
4. Transfer credit card balance to a low rate credit card. Estimated savings: $250
5. Bring more bag lunches to work. Estimated savings: $300

to be healthier, happier, and more positive - just trying to find the way after so many false starts - always looking to learn and improve - because i need to and want to

We've figured out where our money goes and now we want to have more control over it. Spend the next 12 months using cash-only spending system (except bills & rent)

I want to use my experience in financial planning to help anyone who wants it to save more money, plan for their future and enjoy their lives.

Life as a Cooperative Banker