The world is full of people labouring just now under the pressure of too much debt , and when this is the case there is no joy to be had any longer
Once upon a time the mail man used to be like a close friend and not simply a person who delivered the post, and he was always so very welcome when he brought you news from family and friends who live overseas
The whistling was like a breath of fresh air as he whistled tunes from his native Spain that reminded you of many happy holidays spent there.. When he whistled, you could almost feel the sunshine of Spain shining on you which for a few moments each morning made you forget it was a cold grey morning in the UK.
His bright tunes are so different now and the only thing you hear is an annoying noise. Now you no longer have a conversation with him as you used to as you are afraid he knows the contents of the many letters that he delivers to you.
What is in the letters is of course reminders and demands for payment from creditors to whom you owe money.These payments are late and you are filled with anxiety.
When you arranged the hire purchase for the expensive car, and the credit cards for your holidays to Italy the debt was not hard to pay but in the credit crunch you lost your job and your new job pays 18,000 per year less making the debt hard to manage
One method of allowing the mail man to be a glad sight once again is by debt consolidation.
Debt consolidation is as it says on the box, and that is the combining of all debts into the one and replacing them with one much cheaper payment each month.
Debt consolidation loans are the only way for tenants to arrange debt consolidation.
For homeowners the position is different and they can take out a secured loan or a remortgage to do away with credit card debt, etc. and with remortgages from 1.84% and secured loans from about 9% the saving is great compared to the credit cards at from 20% to as high as 40%
Learn more about debt consolidation , then visit Champion Finance where you will find the very best remortgage for you.