There are times when, for any number of reasons, we find ourselves with some hefty balances on more then a few charge cards -Plus a car payment - maybe two car payments, and a line-of-credit. Feeling overwhelmed and buried in bills.

If you are spending $600, $800 or maybe even $1,100 or more every month, just to keep your credit card payments on time, then it is time to consolidate your bills into one low, manageable, tax-deductible payment (check with tax advisor).

Lets take a look at several examples:

1. You have 3 store cards totalling $6,800 and pay the minimum of 2% per month, you are paying  $138 a month just to keep the accunts current but you don't bring down the balances!

2. You have 3 Visa cards with a balance or $9,000 and pay $300 a month.

3. you are paying $380 per month on a car loan with 40 payments left ($15,200 remaining.

Total of $31,000 at $818 a month and none of the interest is tax-deduct able.

Your consolidated payment could be as low as $257 a month!

You could get $100,000 for $808.Less then you now pay per month!

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By consolidating all your payments into one much smaller monthly payment you can save thousands of dollars and get out of the debt jail faster.

Chart shows how long it takes to pay off a credit card balance based on 19% interest and with minimum monthly payments.