I am considering Debt Consolidation. Where is the best place to start?
The first step toward taking control of your financial situation is to do a realistic assessment of how much money comes in and how much money you spend. Start by listing your income from all sources. Then, list your “fixed” expenses,those that are the same each month, such as mortgage payments or rent, car payments, or insurance premiums. Next, list the expenses that vary, such as entertainment, recreation, or clothing. For more information on taking control of your financial situation see Developing a Budget.