How to Pay Off Consumer Debt

Tomorrow we're going to talk about, um, how to pay off consumer debt. It is very difficult once you are in serious short term debt to get out ofserious short term debt without some major changes to your spending habits and the structure of the debt. If you've got seven credit cards and a personal loan  you almost have to consolidate them into one loan to get them under control. Because they're very difficult to manage and it is very disheartening.