It is not like I had to go get debt counselling, but I did have to figure out what to do first. It was as though I had never sat down and thought all of it through, because I had not. Of course I had debt from a lot of places. I bought some electronics on credit. It is not all that much when you start out, but then you add it to all of the other and it comes to a big number. The car loan is just about paid off and that is why I started to think about this stuff. I figure that there is going to be a certain amount of time in which I will have the car paid off and I will not require a new car, one which I obviously might need to borrow more money for. So the obvious thing is to apply the money I was spending to make the car payment to other means.
In fact I think it is not going to be too difficult for me to get a debt consolidation loan. To start out with I shall pay off the stuff that I can get rid of it and which has the most onerous interest rates. That is not going to be easy for me to do, but it can be done. After that I need to start cutting down on the stuff that I do not need if I want to get any money saved up. Stuff like going out at night. If you just cut down from two nights out to one, that would save you a significant amount of money over the course of time. It is pretty easy for me to go out and spend forty or fifty dollars without doing a lot.